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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, youll design, deploy, and monitor cuttingedge predictive models that empower smarter decisions at every stage of the credit lifecycle. From developing machine learning datadriven models used in risk assessment to detecting fraudulent transactions in real time, youll work on a diverse range of projects that have a real impact to 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 selfmotivated attitude with a keen attention to detail. Strong communication skills to convey complex concepts to both technical and nontechnical 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 crossfunctionally 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. Why join us? 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, check out our Glassdoor reviews Some of our benefits Flexible, hybrid working model Inclusive culture and environment, check out our Glassdoor reviews 250 flexible benefits allowance to suit your needs 27 days holiday + bank holidays Udemy learning access Bonus potential (performance and businessrelated) Up to 25% discount on Very.co.uk Matched pension up to 6% More benefits can be found on our career site Diversity, inclusion and equal opportunities Were building a culture of everyday inclusion, and welcome applications from anyone who believes they can do the job. We dont 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 . Well be happy to support you. Were 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