Credit Risk

All of our commercial activities come with some degree of risk. It’s the job of Credit Risk to decide which are worth taking and then recommend the wisest ways forward in our pursuit of sustainable growth. As well as determining the risk-benefit ratio for strategic business decisions, Credit Risk also matches our customers to the products and services that best suit their circumstances and borrowing needs.

Analytics plays a central role in helping the business grow profitably using a value-based approach while making lives simpler for our customers. By designing innovative tests and creating new strategies, it enables us to segment and target our customers more effectively, identify new market opportunities, develop new products and optimise our existing portfolio.

These are diverse and intricate areas of our business that offer a wide variety of experiences.

Job families bring together colleagues who undertake similar tasks around the world, creating internal communities that share best practice, knowledge and coaching.

Credit Risk’s Vision – To Power and Protect by:

• Delivering payment solutions enabling our customers to fulfil their needs whilst safeguarding their finances
• Deploying Credit Risk and Analytics strategies enabling the business to generate sustainable profitability

The following values are key to fulfilling this vision:

• Delivering Trusted Solutions to customers, stakeholders and colleagues
• Balancing Risk and Reward by optimising trade-offs between revenue and risk mitigation
• Smart Analysis that leverages best-in-class techniques
• Being People Centric, considering customers, colleagues and the broader community
• A Collaborative and Connected approach with rapid circulation of ideas across the team
• Having a Passion for Excellence and Delivery
• Global and Agile with teams across the globe rapidly adapting to changing environments and evolving business priorities