
Zoe Balfour
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About me
Senior Credit Risk Analyst at OVO Energy
Education

Stroud High School
2007 - 2013High School GeneralActivities and Societies: Stroud High School Hockey First XI and casual coach for younger age groups.

Cardiff University / Prifysgol Caerdydd
2014 - 2017Bachelor’s Degree Social Sciences 1st Class HonoursActivities and Societies: Cardiff University Ladies Hockey Club 1st XI and Club Treasurer.
Experience

Old Badger Inn
Feb 2012 - Jun 2016Bar StaffWorking as part of a team in an award winning pub to ensure that all customers were satisfied with their visit. Duties extended beyond bar tending to include management roles such as stock checking, money handling and training of new staff to the high standards expected.Awareness of health and safety protocols that are required when work in a kitchen environment are essential for the role and it was important to ensure that all staff members were following the same protocols.

Starlight Children's Foundation - UK
Jun 2012 - Jun 2012Work experience intern
Direct Online Services LTD
Jul 2013 - Feb 2014Creative AssistantResponsible for assuring that all of the content for the business’s website was accurately and fluently written. This involved developing information guides and assembly instructions for many of the products marketed by the company in a way that was user friendly and accessible by all. Full responsibility for the social media websites including Facebook, Twitter and Pinterest which involved writing engaging blogs, daily updates, responding to customers’ queries and running quarterly competitions. Achieved a large increase in social media followers through successful promotion and advertising of the site and its products. This in turn led to an increase in products purchased, as well as successfully identifying a new target audience that could be accessed through social media. Show less

Intelligent Protection International Limited
Apr 2016 - Sept 2016Analyst InternAnalyst responsible for the collation of opensource intelligence. The research and writing of travel risk reports including analysis of international sources to produce reports that are freely available for public use.Analytical work includes city specific risks such as health, security and terror related risks for business or general travelers. Work includes updating of the website (HTML5) during and post incident, such as the Nice, France terror attack or Turkey attempted Coup in June 2016. Show less

Cardiff Sport
Sept 2016 - Jul 2017Recreational Assistant
Cardiff University / Prifysgol Caerdydd
Sept 2016 - Nov 2016Employer Liaison Marketing Intern- Roles included responsibility for the marketing of the Autumn Science Careers fair- Responsible for contacting relevant staff members and arranging bulletins to go out to each School reminding students of the event. - Arrange suitable times to visit lectures and inform students of the upcoming fair- Responsible for promotion of other smaller events such as Panel Events with guest speakers and other careers fairs. - Use of excel spreadsheets and microsoft word to record and document who had been contacted and progress of attendance. Show less

DB Systems Ltd
Aug 2017 - Sept 2017Events and logistics coordinator
OVO
Sept 2017 - now• Responsibilities include the effective management of key debt prevention strategies, processes, analytics and MI which underpin the Collections operation • Expected to provide data and insight that supports decision making in credit risk and collections landscapes to improve business performance and customer outcomes.• Using SQL language via Big Query to extract data and make inferences on the business value or success of strategic workstreams. • Present data in a user friendly way within Tableau to present to key stakeholders.• Providing insight and recommendations to drive the department strategy to optimise revenue performance. • Assessing credit risk presented by potential and existing customers and tailoring customer journeys to align most closely with their credit risk.• Working with third-parties to improve credit check decision strategies, tracing solutions and customer risk profiling Show less
Senior Credit Risk Analyst
Oct 2024 - nowCredit Risk Analyst
Mar 2022 - Oct 2024Strategy Technician
Dec 2020 - Mar 2022Payments Technician
Aug 2020 - Dec 2020Communications and Fundraising Executive secondment
Oct 2019 - Aug 2020Payments Technician
Jun 2018 - Oct 2019Customer Operations Administrator
Sept 2017 - Jun 2018
Licenses & Certifications
- View certificate

ICAgile Certified Professional - Agile Product Ownership
ICAgileAug 2024 
Level 2 Certificate in Awareness of Mental Health Problems
The Skills NetworkFeb 2019
The Cardiff Award
Cardiff University / Prifysgol CaerdyddMar 2017
Volunteer Experience
Volunteer
Issued by Care4Calais on Sept 2016
Associated with Zoe Balfour
Languages
- enEnglish
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