Lead Analyst, Portfolio Analytics and Forecasting

Lead Analyst Portfolio and Forecasting Contract Type: Permanent Full-Time Location: Bradford Chatham Petersfield or London Working Pattern:Hybrid (usually one day 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 RoleThis is an exciting opportunity to play a pivotal role in shaping and strengthening our portfolios through highquality reporting forecasting and insight generation. Youll lead the development implementation and optimisation of advanced forecasting models that support accurate predictions for 2nd Charge Mortgages as well as leveraging capability from other portfolios including Credit Cards and Vehicle Finance. Through deepdive analysis variance tracking and exploration of new data sources youll surface risks opportunities and trends that directly inform business strategy and enable responsible profitable growth. Your work will deliver actionable insight into how portfolio and strategy changes impact performance ensuring decisionmakers have the intelligence they need to balance risk and reward while keeping customers at the heart of every and your TeamYoull be joining a collaborative and highperforming environment working closely with the Portfolio Analytics & Forecasting Manager and Credit Risk Strategy Managers to elevate our forecasting capability and support strategic decisionmaking. This is a team that values knowledgesharing analytical curiosity and continuous improvement. Offering a great opportunity to build and shape a portfolio profiling and reporting capability that genuinely influences the direction of the business. As a Lead Analyst Portfolio and Forecasting you will:Analyse portfolio data and variances to forecasts and lead on discussions and challenges that help inform the development of policy scorecards and indepth reviews of customer performance to generate meaningful insight and strategic recommendations for credit strategy updates while also investigating and developing new data sources to strengthen analysis and support more informed and implement forecasting models for key portfolios to predict trends risks and opportunities. Ensure the models are accurate up-to-date and tailored to evolving business needs. Use statistical models and advanced data analytics techniques to deliver actionable insights into portfolio performance risk exposure and credit quality presenting clear findings and recommendations to senior management and key stakeholders to inform strategic decisions and drive performance track and assess portfolio performance using forecasting data to inform operational strategies and adjust forecasts where necessary. Work cross-functionally with teams in risk management finance product development and operations to align forecasting efforts with business goals. Be customer-obsessed and have the appetite to understand our customers how they behave and provide insight that helps the business make decisions that positively impact the customer. Ensure compliance with policies procedures and external regulatory frameworks and ensure that the principles of responsible lending are upheld in line with the Groups Responsible Lending Were Looking For 3 years experience in forecasting portfolio analysis or a related field within the consumer credit industry. Experience of retail credit risk is essential with 1st or 2nd charge mortgages portfolio experience preferred Experience in or understanding of IFRS9 impairments is highly beneficialExperience in developing validating or monitoring Credit Models (impairment stress testing forecasting) is background using advanced analytics tools (e.g. SAS SQL R Python).Proven ability to lead and mentor an analytical team fostering development prioritising workloads and providing clear strategic in converting complex data into business insights and the ability to communicate findings effectively to non-technical attention to detail and a passion for accuracy in forecasting and performance 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 you need assistive technology or reasonable adjustments (including the use of AI tools) please let the Talent Acquisition team know in advance and well be happy to support you. Where we have reason to believe AI has been used inappropriately we reserve the right to withdraw a candidate from the recruitment OpportunitiesVanquis Bank is an Equal Opportunity Employer. We value everyones unique background identity and experience andwere committed to a workplace where all colleagues can thrive. If you need any adjustments or support during the recruitment process please contact and wellbe happy to help.