Credit Risk Analytics Lead

You will take ownership of the design, development and validation of credit risk scorecards across both acquisition and existing customer portfolios, supporting BT's transition to more sophisticated, customer-level risk assessment. This includes setting the strategic direction for associated policy rules, ensuring they work coherently with the models, meet responsible lending standards, and remain aligned with BT's risk appetite and regulatory obligations. You will lead the full lifecycle of model delivery, from robust data design and sourcing, including credit reference agency activity, through to technical implementation with BT's systems teams to ensure accuracy, stability and strong governance. You will also develop automated monitoring and diagnostic tools to track performance, identify emerging risks and enable timely remediation, while acting as a subject matter expert on the safe and effective use of open banking data to enhance modelling capability. This work sits at the heart of a major strategic priority for BT and requires deep modelling expertise and sustained analytical focus. By owning this agenda, you will help deliver fairer, more consistent credit decisions, reduce operational risk and strengthen the foundations for long-term growth. The six-month assignment offers hands-on involvement in a high-profile transformation programme, with exposure across multiple functions and regular engagement with senior leaders, making it a strong opportunity for an experienced credit risk modeller seeking visible, meaningful impact. What you'll be doing

• Lead data extracts and retrospectives for scorecard development, liaising with credit reference agencies
• Design, build and validate acquisition and existing customer credit risk scorecards, with regular updates to senior management
• Own the development, testing and optimisation of associated credit risk policy rules
• Manage end-to-end scorecard implementation within BT systems, working closely with systems teams
• Build and automate monitoring packs to assess scorecard stability, accuracy and discriminatory power
• Act as a credit risk subject matter expert, including advising on open banking developments
• Produce model and policy documentation in line with FCA requirements for regulated products, When you visit any website, it may store or retrieve information on your browser, mostly in the form of cookies. Because we respect your right to privacy, you can choose not to allow some types of cookies. However, blocking some types of cookies may impact your experience of the site and the services we are able to offer.
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  Experience in building and validating credit risk scorecards across both acquisition and existing customer portfolios, alongside the development of associated credit risk policy rules within a credit risk function.
Experience owning credit reference agency (CRA) data analytics within large, complex projects Proven experience leading the implementation of credit risk scorecards within decisioning systems Desirable Skills / Experience
• Proficient in SAS for model development and management information (MI) automation
• Strong proficiency in Excel and PowerPoint
• Experience with Open Banking and PSD2 frameworks
• Experience leading analytical and project implementation teams
  
  BT Group is the UK's leading communications group and the holding company behind some of the country's most recognised brands - including BT, EE, Openreach and Plusnet. Our purpose is as simple as it is ambitious: we connect for good. Our customers include consumers, small, medium and large businesses, public sector organisations and other communications providers.
BT Group's role is about setting direction, unlocking value and creating the conditions for our brands and businesses to thrive. Having come through the most capital-intensive phase of our fibre investment, our focus now is on what comes next - simplifying how we operate, using technology and AI to work smarter, and organising ourselves to serve customers better and grow sustainably. Group teams shape strategy, policy, brand, capital allocation and transformation, helping the whole organisation perform at its best. We have a singular culture that unites all our people: we are customer-first challengers, who are committed, clear and connected. These behaviours unite us as one team to deliver for our colleagues, our customers, our stakeholders and the country. Joining BT Group means working at the heart of a business that matters to the UK, with the opportunity to shape decisions, influence outcomes and help set the future course of one of the country's most important companies.

Our Package Tailored benefits make a real difference. That's why we offer a comprehensive range to support your growth, wellbeing, and everyday life. You can design the package to suit you and your lifestyle. Your core benefits include:
• 10% on target annual bonus
• Access to an online private GP 24/7 for you and your immediate family
• Market-leading paid carers leave with up to 2 weeks off
• Equalised maternity, paternity, and adoption leave - 18 weeks' full pay and 8 weeks' half pay
• Discounted EE and BT products, including mobile and broadband
• Market leading Pension scheme - 5% from you and 10% from us
• Holiday purchase scheme