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Credit Risk MI Analyst

In a nutshell

You’ll be developing and maintaining Credit Risk MI and supporting our Credit MI Manager in monthly MI delivery and commentary for internal Committees and Forums.

What success looks like?

You’ll positively impact the overall profitability and security of the Argos Card through effective reporting and performance analytics of the arrears portfolio.

What you’ll be doing

Creating the monthly Credit Risk Collections & Recoveries MI deck, this includes querying the data warehouse for inputs and delivering the MI to agreed timelines.
Creating periodic regular MI.
Gathering requirements and producing meaningful and concise ad hoc MI as requested.
Analysing complex problems with multiple interdependencies.
Developing a good knowledge of the Argos Financial Services and Sainsbury’s Bank consumer portfolios and how Collections & Recoveries impact performance.

What you need to know and show

Strong SQL skills, with the ability to build new SQL reports and edit existing SQL reports.
Experience producing periodic reporting to a high degree of accuracy, collating information from the wider business, to deadlines.
Strong data interpretation and analytical skills including data manipulation & presentation of findings to non-technical stakeholders.
Experience of Credit Risk, Collections, Retail Finance or Banking in addition to the above would all be advantageous.

Our benefits

In addition to the all- important competitive salary, pension & bonus offering, we totally get that life outside work is important to us all. So, we want to shout out some of our other great benefits…

We offer flexible working to help you achieve a good work/life balance
Opportunity to buy extra holidays is on the table
Discounts on your weekly shop, buying a laptop or sofa? We’ve got it covered through your Sainsburys, Argos and Habitat store discount card
Cycle to work scheme and great coffee and cake!

A little about us & our culture

As digital technology drives the financial services landscape we want to be at the cutting edge of this technology, offering award winning innovative digital products to our customers.

Technology is where we see our growth therefore we need innovators to join us and drive the next phase of our evolution.

We’re a friendly bunch who collectively share a passion to make our customers’ financial lives easier. As part of the wider Sainsbury’s Argos Group, being one of the UK’s most trusted brands, it brings our colleagues a wealth of opportunities to fulfil their potential.

Here, you can be part of something bigger and help to create a new approach that puts the customer at the heart of everything we do.

As this role involves working within a regulated environment any offer will be subject to satisfactory background checks including criminal record check, credit check, fraud check and employment references.

We know that candidates may be put off applying for a job unless they can tick every box. While we can’t always accommodate every flexible working request, we do support part-time and job share roles so are happy to be asked how we can work around your availability. So if you are excited about working with us and think you can do much of what we are looking for but aren’t sure if you are 100% there yet… why not apply and see how it goes?

Here we’re a proud equal opportunities employer that values diversity at every level of our business. Inclusion and Diversity are fundamental to our culture and values, fostering an innovative, collaborative and fast paced work environment that means we can build a better future for our colleagues and our customers. Everyone is welcome. Want to find out more? Then visit our Diversity & Inclusion page on our Careers site –

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