Senior Credit Risk Analyst, Credit Card Strategies

Senior Credit Risk Analyst Credit Card Strategies Contract Type: Permanent Full Time Location: London Bradford Petersfield or ChathamWorking 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 RoleAs a Senior Credit Risk Analyst youll play a critical role in shaping delivering and optimising Existing Customer Management strategies for VBG through robust datadriven insight. Youll develop deep expertise across the customer management lifecycle understanding every aspect of decisioning and customer touchpoints. The role leads complex analytical projects that balance customer outcomes with commercial objectives ensuring recommendations fully consider both business and customer implications. Youll support the optimisation of lending decisions through structured testandlearn initiatives identifying champion strategies that drive growth while maintaining credit quality and responsible lending standards. With responsibility for accurate and appropriate a Senior Credit Risk Analyst you will:Develop expert understanding of the customer management lifecycle including all aspects of decisioning and customer touch points Support the optimisation of lending decisions through test and learn initiatives to identify champion strategies Conduct detailed analytical work to interpret complex datasets identifying opportunities for strategic improvement. Prepare clear insightdriven recommendations based on your analysis with responsibility for developing proposals 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 Deliver complex analytical/data driven projects fully incorporating Customer and business implications throughout Support the automation of MI and processes to maximise integration effectiveness and efficiencyWhat Were Looking ForExperience working within a credit cards portfolio is essential. Additional experience with structured lending products such as vehicle finance personal loans or mortgages is beneficial and will support broader portfolio insight.3 years experience in analytics within a credit risk environment Strong programming experience is essential with proficiency in SQL and Python Excellent communication skills written and working to a high level of detail and 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.