Lead Credit Risk Analyst
Lead Credit Risk Analyst
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Job Description
Lead Credit Risk Analyst
Contract Type: Permanent Full Time
Location Bradford Petersfield or London
Working Pattern:Hybridtypically one daya week in the office. Flexible arrangements are considered to support work-life balance. A fear of losing your current working flexibility shouldnt hinder you from applying for new opportunities which is why we aim to match your existing flexible working arrangements where possible.
What We Offer
We dont just care about your work we care about your health wellbeing and life outside your working hours. Thats why we offer we offer flexibility empathy and a wide range of resources to help you navigate lifes ups and downs and feel your best. We encourage you to take ownership of your work-life blend support others and make time to prioritise your wellbeing our benefits include:
- Holidays: 25 days of annual leave (rising to 30 with service) and tailor your time off by buying or selling up to 5 extra days. Plus with our flexible bank holiday policy you can swap up to 4 days to celebrate what matters most to youwhether thats skipping Easter or switching up your Christmas plans.
- Pension: Well boost your future with up to 10% employer contributionsbecause your tomorrow matters
- Enhanced Leave:Enhanced maternity (post-probation) and 4 weeks paternity leave to paid neonatal and carers leave weve got your back when it matters most.
- Workations: Why not take your laptop somewhere sunny Work abroad for up to 20 days a year in approved countries. Yes really.
- Paid Birthday Leave: Your birthday your rulestake the day off and celebrate in style!
- Volunteering: 2 paid days a year to volunteer for a cause close to your heart.
- Learning & Development:Access to LinkedIn Learning for all colleagues because your growth matters.
- Financial Wellbeing: Stay on top of your finances with a free Snoop Premium subscription.
- Healthcare: Take care of your wellbeing with our easy self-pay Denplan scheme for dental care and feel confident knowing you can also choose Private Medical Insurance for extra reassurance when it matters most.
The role will report into the Credit Risk Manager and will provide an invaluable opportunity to drive significant change and value for the Bank through a range of insight-providing analytical projects
Responsibilities:
- Develop expert understanding of the customer management lifecycle including all aspects of decisioning and customer touch points.
- Drive the optimisation of lending decisions through test and learn initiatives to identify champion strategies.
- Investigation and development of new data sources to be used for analysis and decisioning.
- Support business growth and portfolio profitability while ensuring a balance between risk reward and responsible lending and controlling credit quality and performance.
- Ensure lending decisions are accurate and appropriate through close tracking and monitoring.
- Perform inquisitive and innovative analysis and provide logical recommendations resulting in customer and /or business benefits.
- Devise initiate and deliver complex analytical/data driven projects fully incorporating Customer and business implications throughout.
- Responsible for automating and streamlining processes to maximise integration effectiveness and efficiency.
What Were Looking For
- Experienced in consumer credit preferably in the sub-prime or online lending sector
- Present both written and verbal clear and concise results using aggregated data highlighting key trends opportunities/risks and recommendations.
- Ensure clear documentation and commented code in place for all analysis processes and tools including maintaining logs/audit trails for all changes and decisions.
- Understand the systems where the data resides the processes by which data is collated and stored and the methods available for data retrieval.
- Use a comprehensive understanding of the business meaning behind the data the business processes underlying the figures and any limitations of the data to drive analysis design and proposals
- Define analytical project phases success criteria and timescales and drive projects through to implementation while engaging stakeholders throughout and considering customer impact
- Support the testing and delivery of changes to models policy and strategy liaising with the relevant departments
- Minimum of 5 years experience in analytical role
- Honours Degree or equivalent in a quantitative subject such as Mathematics Statistics Operations Research or Computer Science.
- SAS/SQL - Highly Proficient (Advanced)
- Intermediate in all standard MS Office applications
- Advanced level experience in decisioning systems
- Experience in Credit Analytics
- Experience of scorecard cut-off setting and strategy optimisation through decline rules
Who we are
At Vanquis we have a simple purpose: to deliver caring banking so our customers can make the most of lifes opportunities. Established in 1880 were now a FTSE All Share company and leading specialist bank. We lend responsibly providing tailored products and services to over 1.7 million UK customers. We see ourselves as the bank thats got your back.
Vanquis has been named one of the Financial Times UKs Best Employers 2025 ranking in the top 50 nationwide and seventh in Banking and Financial Services. This recognition is based on independent employee feedback reflecting our strong workplace culture career growth opportunities and commitment to our are proud signatories of the Armed Forces Covenant and actively support the Armed Forces community including veterans reservists and military families.
We take care of our colleagues as well as our customers we are creating a workplace where everyone feels connected valued empowered and rewarded all guided by our four core values caring for people pulling together finding better ways and getting the right things done.
Rewarding our colleagues goes beyond pay. Were building a culture where everyone feels valued motivated and proud. Alongside competitive salaries we offer meaningful benefits annual salary reviews a discretionary bonus scheme and evolving recognition.
We care about your career and ambitions just as much as you do offering tools guidance and opportunities to help you grow. Take ownership stay curious and well match your ambition with unique experiences hands-on learning and tailored development to support your career journey.
Equal Opportunities
Vanquis Bank is an Equal Opportunity embrace everyones unique strengths and identities. No matter your background identity or experience you are welcome here. We believe diversity enriches our teams and helps us better support our customers.
If theres anything we can do to support you during the recruitment processwhether thats a different format of the application or additional assistanceplease contact us at.
What We Offer
We dont just care about your work we care about your health wellbeing and life outside your working hours. Thats why we offer we offer flexibility empathy and a wide range of resources to help you navigate lifes ups and downs and feel your best. We encourage you to take ownership of your work-life blend support others and make time to prioritise your wellbeing our benefits include:
- Holidays: 25 days of annual leave (rising to 30 with service) and tailor your time off by buying or selling up to 5 extra days. Plus with our flexible bank holiday policy you can swap up to 4 days to celebrate what matters most to youwhether thats skipping Easter or switching up your Christmas plans.
- Pension: Well boost your future with up to 10% employer contributionsbecause your tomorrow matters.
- Enhanced Leave:Enhanced maternity (post-probation) and 4 weeks paternity leave to paid neonatal and carers leave weve got your back when it matters most.
- Workations: Why not take your laptop somewhere sunny Work abroad for up to 20 days a year in approved countries. Yes really.
- Paid Birthday Leave: Your birthday your rulestake the day off and celebrate in style!
- Volunteering: 2 paid days a year to volunteer for a cause close to your heart.
- Learning & Development:Access to LinkedIn Learning for all colleagues because your growth matters.
- Financial Wellbeing: Stay on top of your finances with a free Snoop Premium subscription.
- Healthcare: Take care of your wellbeing with our easy self-pay Denplan scheme for dental care and feel confident knowing you can also choose Private Medical Insurance for extra reassurance when it matters most.
The Benefits
Competitive base salary and rewards
Private Medical Insurance
25 days holiday entitlement
one day accrued for each year of service (max 30 days)
Defined contribution pension scheme
Discretionary bonus scheme
Perks at Work
A perks platform of over 30000 unique discounts
Volunteering
2 paid days to support a charity of your choice
Flexible hybrid & dynamic working policies
Personal & career development opportunities
Monthly and Quarterly Colleague Socials
Discounted gym membership
BUPA GP Service
Workplace Gallery
Documents
Required Experience:
IC
Employment Type
Full Time
