Lead Analyst, Portfolio Analytics (12 months FTC) Contract Type: Fixed Term | Full Time 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 possible. What We Offer We 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 holidays. Pension: Up to 10% employer contribution. Enhanced Leave: Enhanced maternity (post-probation), 4 weeks’ paternity, and paid neonatal & carers leave. Workations: Work abroad for up to 20 days a year in approved countries. Birthday Leave: Your birthday off—paid. Volunteering: 2 paid volunteering days. Learning: Access to LinkedIn Learning for all colleagues. Financial Wellbeing: Free Snoop Premium subscription. Healthcare: Self-pay Denplan & optional Private Medical Insurance. The Role As a Lead Analyst, Portfolio Analytics, you’ll play a pivotal role in shaping our business strategy by delivering comprehensive portfolio monitoring and actionable insights for our Cards portfolio, while also providing occasional analytical support for Vehicle Finance and 2nd Charge Mortgages. You’ll lead the development and optimisation of Management Information reporting suites, analyse customer behaviours, and use advanced analytics to identify trends, risks, and opportunities. Your insights will directly influence credit strategy, risk appetite, and operational decisions and ensuring we balance risk and reward effectively while keeping the customer at the heart of everything we do. You and your Team You’ll be joining a collaborative, high-performing team that thrives on sharing knowledge and driving continuous improvement. Working closely with the Portfolio Analytics and Forecasting Manager, Credit Risk Strategy Managers, and colleagues across risk, finance, and product, you’ll be part of a supportive environment where your analytical skills and curiosity are valued. We’re passionate about understanding our customers and making data-driven decisions that deliver positive outcomes. As a Lead Analyst, Portfolio Analytics, you will: Perform in depth reviews of customer performance, providing valuable insight and giving recommendations for credit strategy updates. Analyse portfolio data and variances to forecasts and lead on discussions and challenges that help inform the development of policy, scorecards, and strategies. Lead data-driven proposals to define appropriate Risk Appetite Metrics, taking measured credit risk in pursuit of strategic objectives and monitoring exposures on an ongoing basis ensuring appropriate thresholds are set. Build a robust reporting framework to support the Credit Risk forecasting models for the credit cards portfolios and to predict trends, risks, and opportunities. Investigation and development of new data sources to be used for analysis working with stakeholders across project and transformational change programs. Use statistical models and advanced data analytics techniques to provide actionable insights into portfolio performance, risk exposure, and credit quality. Regularly track and assess portfolio performance, using forecasting data to inform operational strategies and explain deviations from forecasts where necessary. Ensure compliance with policies, procedures and external regulatory frameworks and ensure that the principles of responsible lending are upheld in line with the Group’s Responsible Lending Policy. What We’re Looking For 3 years’ experience in data analytics, cards portfolio analysis, or a related field within the consumer credit industry. Strong background in Consumer Lending performance monitoring, with knowledge of IFRS9 impairments is highly beneficial. SQL is essential for this role, and experience with other analytics tools such as Snowflake, Power BI, and Python would be highly beneficial. Proven ability to succeed in an analytical team, prioritizing tasks and delivering strategic guidance. Skilled at turning complex data into clear business insights and communicating results to non-technical audiences. Strong attention to detail and a passion for accuracy in performance monitoring and delivering insight. Advanced Excel to analyse complex data and create clear, compelling PowerPoint presentations for senior stakeholders - essential Offers are subject to satisfactory background checks, including credit, fraud, and employment references. Who we are At Vanquis, we have a simple purpose: to deliver caring banking so our customers can make the most of life’s opportunities. Established in 1880, we’re now a FTSE All Share company and leading specialist bank. We lend responsibly, providing tailored products and services to over 1.7 million UK customers. We see ourselves as the bank that’s got your back. Vanquis has been named one of the Financial Times UK’s Best Employers 2025, ranking in the top 50 nationwide and seventh in Banking and Financial Services. This recognition is based on independent employee feedback, reflecting our strong workplace culture, career growth opportunities, and commitment to our people. We are proud signatories of the Armed Forces Covenant and actively support the Armed Forces community, including veterans, reservists, and military families. We take care of our colleagues as well as our customers, we are creating a workplace where everyone feels connected, valued, empowered and rewarded– all guided by our four core values – caring for people, pulling together, finding better ways and getting the right things done. Rewarding our colleagues goes beyond pay. We’re building a culture where everyone feels valued, motivated, and proud. Alongside competitive salaries, we offer meaningful benefits, annual salary reviews, a discretionary bonus scheme and evolving recognition. We care about your career and ambitions just as much as you do, offering tools, guidance and opportunities to help you grow. Take ownership, stay curious and we’ll match your ambition with unique experiences, hands-on learning and tailored development to support your career journey. Equal Opportunities Vanquis Bank is an Equal Opportunity Employer. We embrace everyone’s unique strengths and identities. No matter your background, identity, or experience, you are welcome here. We believe diversity enriches our teams and helps us better support our customers. If there’s anything we can do to support you during the recruitment process—whether that’s a different format of the application or additional assistance—please contact us at careers@vanquis.com.