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Take your next career step in our Credit Risk and Acquisitions team

12/10 2018Posted by: npower Resourcing Team Subscribe to this blog


For those who work in credit risk, numbers, data and financial figures are things to get excited about. Highly numerical and analytical, credit risk professionals manage the level of risk that comes onto the business books, conducting research and making decisions to ensure organisations are not taking on unnecessary risks and debt. 

What is the Credit Risk and Acquisitions function at npower? 


At npower, the Credit Risk and Acquisitions Team is integral to the overall success of the company, across both home and small business customers. On the business side, the task is clear: deciding whether to accept or decline business based on a company’s performance and credit risk. However, the domestic side is different, as energy is a human right. That means our team needs to identify and mitigate any potential risks that customers bring on board, whether that’s by advising them on prepayment meters and direct debits or asking for security deposits. We can’t decline domestic customers, but we can work to ensure the risk we take on is as low as possible.

What is the team like?

With a structure of an acquisitions risk manager, one home and one business manager and a group of senior analysts and credit analysts, our team is tight-knit and has a mix of experience levels, making it a great place for new and experienced team members alike. The majority of the team have a financial services background, though we do take on graduates and less experienced people to train up, with numerate qualifications a requirement for entry-level roles. 

Why should I join the team? 


The culture of the team – and npower as a business – is one of the things our people love most about working here. With a flexible approach to work locations and hours, the culture also lends itself to getting exposure to senior levels of the business, even for those who are in more entry-level roles. For such a large-scale organisation, npower is friendly and open and the opportunity is there to interact with senior managers, directors and even the CEO on a business level. The relatively shallow business structure means the senior leadership team is very visible and available, which is not typical of organisations of our size. 

As for the team specifically, we are continuing to develop and implement new systems and processes, which makes it a really exciting time for new people to come on board. We offer an end-to-end credit risk function, which gives team members exposure to everything from building credit score cards to developing strategy. In many other credit risk functions, the structure breaks the credit risk process up into different areas so people end up specialising in one small area. It’s common within the industry to have a scorecard team who build the predictive models and hand them off to another department to do the strategy, which is them handed off again to implement. At npower, we’re responsible for credit risk and acquisition in its entirety, giving analysts and managers the opportunity to really own that process from start to finish and gain a huge breadth of experience. 

Can I progress within credit risk and acquisition? 

As a business, npower is really focused on people development and internal promotion, as well as bringing in the right fresh talent. Within our team, we’ve seen people progress from credit referral to credit risk, moving into more professional roles and picking up new skills. We make a point of talking to all our team members about their development and how they want to progress, whether that’s within credit risk or throughout the wider business. 

Find out more 


We’re always looking for talented people to contribute to the npower team culture. Come and join us. Browse our latest jobs to take your next career step, or read more of our stories on the blog.
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