Lead Analyst, Credit Risk Cards Originations

Lead Credit Risk Analyst Credit Cards Originations 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 RoleAre you passionate about turning data into powerful business decisions At Vanquis were looking for a Lead Credit Risk Analyst to shape the future of our New Business Strategies. Youll focus primarily on our Credit Cards portfolio developing and enhancing our origination strategies and this key role youll use data-driven insight to design implement and refine originations strategies that balance risk and opportunity. Youll dive deep into customer decisioning across multiple products becoming a subject matter expert in how we assess applications and support responsible a strong emphasis on reporting and performance monitoring youll ensure our strategies stay sharp effective and aligned with business goals. If youre ready to make a measurable impact across diverse portfolios in a dynamic data-rich environment this role is your opportunity to lead with insight and a Lead Credit Risk Analyst you will:Develop expert understanding of new business originations including all aspects of decisioning and customer touch reporting & monitoring to ensure risk strategies are the optimisation of lending decisions through test and learn initiatives to identify champion business growth and portfolio profitability while ensuring a balance between risk reward and responsible lending and controlling credit quality and lending decisions are accurate and appropriate through close tracking and inquisitive and innovative analysis and provide logical recommendations resulting in customer and /or business complex analytical/data driven projects fully incorporating Customer and business implications the automation of MI and processes to maximise integration effectiveness and Were Looking For5 years experience in an analytical role within a Credit Risk of strategy optimisation or scorecard cut-off communication skills written and working to a high level of detail and of Consumer Lending products such as Credit cards Loans or Vehicle present analysis recommendations and strategic insights to senior stakeholders and governance forums ensuring complex information is communicated clearly and effectivelyLead endtoend delivery of analytical projects while providing guidance coaching and mentorship to junior analysts to support their development and highquality 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.