About the Role
Our in‑house credit risk and analytics teams are the backbone of our business, leveraging advanced analytical techniques to ensure we lend responsibly and sustainably. As a credit risk modelling analyst, you’ll design, deploy, and monitor cutting‑edge predictive models that empower smarter decisions at every stage of the credit lifecycle. From developing machine‑learning data‑driven models used in risk assessment to detecting fraudulent transactions in real time, you’ll work on a diverse range of projects that have a real impact on our customers. The role would suit a recent graduate with a degree in a quantitative field such as Mathematics, Statistics or Data Science.
About You
* Talented and ambitious graduates with a degree in a quantitative field such as Statistics, Mathematics, Data Science or a related discipline (we are open to candidates with commercial experience)
* Highly intellectual and curious mind with a passion for using data to solve problems
* A proactive and self‑motivated attitude with a keen attention to detail
* Strong communication skills to convey complex concepts to both technical and non‑technical stakeholders
* Experience in coding with SQL, Python and/or developing statistical models (linear/logistic regression, machine learning etc) is advantageous but not a requirement
Key Responsibilities
* Develop predictive models using advanced statistical methods (e.g., logistic regression, XGBoost, neural networks) to empower decisions across the credit lifecycle.
* Continuously monitor model performance metrics (e.g. Accuracy, Gini, stability), troubleshoot deviations, and report findings to key stakeholders.
* Collaborate cross‑functionally to deploy models and quantify impacts on customer outcomes and commercial value.
* Research new modelling techniques (e.g. machine learning/AI) and alternative data sources to enhance predictive power and drive value.
Benefits
* Real‑world impact: your work will directly influence lending decisions and risk policies for over 3 million customers.
* Career development: tailored development plans will allow you to develop into a senior analyst with further opportunities to move into a managerial or lead analyst role.
* Culture: collaborative, inclusive, and flexible work environment.
* Flexible, hybrid working model.
* Inclusive culture and environment.
* £250 flexible benefits allowance.
* 27 days holiday + bank holidays.
* Udemy learning access.
* Bonus potential (performance and business‑related).
* Up to 25% discount on Very.co.uk.
* Matched pension up to 6%.
Diversity, inclusion and equal opportunities
We’re building a culture of everyday inclusion, and welcome applications from anyone who believes they can do the job. We don’t discriminate based on age, disability, gender reassignment, marriage or civil partnership, pregnancy or maternity, race, religion or belief, sex, or sexual orientation. We want our recruitment process to be accessible to everyone. If you need reasonable adjustments to apply, interview, or perform a role, let us know via talentacquisition@theverygroup.com. We’re proud to be a Disability Confident Committed Employer and have nine brilliant colleague networks – including DAWN (Disability Awareness at Very) and Think (Neurodiversity at Very) – that are helping us make Very an even more inclusive place to work.
#J-18808-Ljbffr