Lead Analyst Decision Science

Lead Analyst Decision ScienceContract Type: Permanent Location: Bradford Chatham Petersfield or London Working Pattern:Hybrid (usually a couple of days a week in the office). We welcome part-time and flexible arrangements and will aim to match your current flexibility where We OfferWe care about your wellbeing not just your work. Our benefits are designed to support your life your health and your growth:Holidays: 25 days (rising to 30) buy/sell up to 5 days swap up to 4 bank : Up to 10% employer Leave: Enhanced maternity (post-probation) 4 weeks paternity and paid neonatal & carers : Work abroad for up to 20 days a year in approved Leave: Your birthday : 2 paid volunteering : Access to LinkedIn Learning for all Wellbeing: Free Snoop Premium : Self-pay Denplan & optional Private Medical RoleAs a Lead Analyst Decision Science you will play a key role in delivering innovative accurate and scalable models that underpin our collections and fraud strategies that support sustainable customer and your TeamThe Data & Analytics function is a centre of excellence that provides high-impact analytical expertise across the Vanquis Banking Group. Were responsible for business-critical modelling data innovation credit bureau strategy and actionable insights that drive customer and commercial new role will sit in our Decision Science team. The wider team focuses on developing robust regulatory-aligned models and decisioning tools and you will be specifically involved in developing and maintaining predictive models that enhance collections strategies and fraud detection a Lead Analyst you will:Lead and manage projects focused on developing predictive models and other tools for collections optimisation and fraud detection across Cards and Asset Finance customer behaviours repayment patterns and fraud trends identifying opportunities to improve collections strategies and fraud prevention and development of incorporating self-learning closely with Collections Fraud Risk and Finance teams to translate analytical insights into actionable business junior analysts supporting skill development and contributing to a culture of continuous Were Looking ForWere looking for someone with a passion for data-driven decisioning and a track record of delivering operational credit risk and other predictive models in a regulated environment. You should enjoy combining technical excellence with commercial thinking and collaboration while also being a pragmatic problem skills and experience:5 years experience developing credit scorecards and other classification models within financial in Python (Pandas NumPy Scikit-learn Statsmodels Matplotlib) for analysis modelling and theoretical knowledge of algorithms such as regression tree-based methods (e.g. random forests gradient boosting) and neural in SQL and experience with data extraction manipulation and analysis from relational understanding of statistical methods experiment design and hypothesis with Credit Reference Agency data characteristics and score ability to explore and utilise unconventional data sources to drive analytical skills:Excellent communication and stakeholder management skills with the ability to influence non-technical of model governance and regulatory standards (e.g. IFRS9 PRA expectations).Exposure to cloud-based analytics with machine learning techniques for fraud with optimisation techniques (linear programming heuristics simulation).Offers are subject to standard background checks (credit fraud and employment references).Who we areAt Vanquis our purpose is simple: to deliver caring banking that helps people make the most of lifes opportunities. Founded in 1880 were now a FTSE All Share specialist bank supporting over 1.7 million UK customers with responsible tailored proud to be certified as a Great Place to Work and recognised by the Financial Times as one of the UKs Best Employers 2025 ranked top 50 nationwide and seventh in Banking & Financial Services. Were also proud signatories of the Armed Forces Covenant actively supporting veterans reservists and military by our values caring for people pulling together finding better ways and getting the right things done were building a workplace where colleagues feel connected valued and empowered. Alongside competitive pay we offer meaningful benefits salary reviews a discretionary bonus scheme and continued invested in your development too. With the right support and hands-on learning youll grow your skills shape your career and realise your We HireWe use AI to help organise applications and surface early matches but all decisions are made by humans. Please apply authentically especially during OpportunitiesVanquis Bank is an Equal Opportunity Employer. We value everyones unique background identity and experience and were committed to a workplace where all colleagues can you need any adjustments or support during the recruitment process please contact and well be happy to help.