Lead Credit Risk Analyst

Lead Credit Risk Analyst Contract Type: Permanent Full Time Location: London Bradford and Petersfield. 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 Credit Risk Analyst youll play a pivotal role in shaping and optimising credit origination strategies across our Vehicle Finance portfolio. Working closely with the Credit Risk Manager youll have endtoend responsibility for originations at the point of application delivering insightdriven analytical solutions that directly influence lending decisions. Youll lead sophisticated testandlearn activity to refine scorecards cutoffs and decision rules explore new and alternative data sources and ensure lending strategies strike the right balance between growth portfolio profitability and responsible lending while maintaining strong credit and your TeamYoull be part of a collaborative forwardthinking Credit Risk team that values curiosity rigour and clear storytelling with data. Well look to you as a trusted expertsomeone who can dive deep into large datasets using SQL and Python translate insight into actionable recommendations and confidently present proposals to senior stakeholders and governance a Lead Credit Risk Analyst you will: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 For5 years experience in analytical role and within a credit risk environmentPresent both written and verbal clear and concise results using aggregated data highlighting key trends opportunities/risks and make recommendations. Strong experience using SQL and Python to extract manipulate and analyse large datasets build automated and repeatable analytical solutions and deliver clear actionable credit risk insights to stakeholdersAdvanced level experience in decisioning systems Experience of scorecard cut-off setting and strategy optimisation through decline rules Ability to present analysis and proposals to Senior Management and various committeesOffers 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.