Senior Credit Risk Analyst, New Business Strategy
Contract Type: Permanent / Full Time
Location: Bradford, Petersfield or London
Working Pattern: Hybrid – typically one to two days a week in the office. Flexible arrangements are considered to support work‑life balance.
What We Offer
* Holidays: 25 days of annual leave (rising to 30 with service). You can buy or sell up to 5 extra days and swap up to 4 bank holiday days.
* Pension: Up to 10% employer contribution.
* Enhanced Leave: Maternity leave post‑probation and 4 weeks paternity leave, plus paid neonatal and carer leave.
* Workations: Up to 20 days abroad in approved countries each year.
* Paid Birthday Leave: Take the day off on your birthday.
* Volunteering: 2 paid days a year to support a chosen charity.
* Learning & Development: LinkedIn Learning for all colleagues.
* Financial Wellbeing: Free Snoop Premium subscription.
* Healthcare: Denplan dental scheme and optional Private Medical Insurance.
The Role
At Vanquis we’re looking for a Senior Credit Risk Analyst to lead the charge in shaping the future of our New Business Strategies. In this pivotal role you’ll harness data‑driven insights to design, implement and continuously refine strategies that drive smart, responsible growth.
You will become a subject‑matter expert in new business originations, diving deep into every aspect of decisioning and customer interaction. From the first touchpoint to final approval, your analytical expertise will ensure we strike the perfect balance between risk and opportunity.
With a strong focus on regular reporting and performance monitoring, you’ll ensure our risk strategies remain sharp, effective and aligned with our business goals.
Key Responsibilities
* Develop expert understanding of new business originations, including all decisioning and customer touchpoints.
* Regular reporting and monitoring to keep risk strategies effective.
* Support optimisation of lending decisions through test‑and‑learn initiatives to identify champion strategies.
* Support business growth and portfolio profitability while ensuring a balance between risk, reward and responsible lending.
* 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 efficiency.
What We’re Looking For
* 2+ years’ experience in an analytical role within a Credit Risk environment.
* Experience of strategy optimisation or scorecard cut‑off setting.
* Excellent written and verbal communication skills.
* Experience working to a high level of detail and accuracy.
* Knowledge of Consumer Lending products such as Credit cards, Loans or Vehicle Finance.
Offers are subject to satisfactory background checks, including credit, fraud, and employment references.
Who We Are
Vanquis is a FTSE All Share specialist bank delivering caring banking so our customers can make the most of life’s opportunities. Established in 1880, we lend responsibly to over 1.7 million UK customers.
Equal Opportunities
Vanquis Bank is an Equal Opportunity Employer. No matter your background, identity, or experience, you are welcome here.
The Benefits
* Competitive base salary and rewards.
* Private Medical Insurance.
* 25 days holiday entitlement (one day accrued for each year of service, max 30 days).
* Defined contribution pension scheme.
* Discretionary bonus scheme.
* Perks at Work – discounts at over 30,000 partners.
* Volunteering – 2 paid days to support a charity of your choice.
* Flexible, hybrid, & dynamic working policies.
* Personal & career development opportunities.
* Monthly and Quarterly colleague socials.
* Discounted gym membership.
* BUPA GP service.
Workplace Gallery
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