Senior Credit Risk Analyst, Originations
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. A fear of losing your current flexibility shouldn’t hinder you from applying for new opportunities; we aim to match your existing flexible working arrangements where possible.
What We Offer
We don’t just care about your work, we care about your health, wellbeing and life outside your working hours. That’s why we offer flexibility, empathy, and a wide range of resources to help you navigate life’s ups and downs and feel your best. We encourage you to take ownership of your work‑life blend, support others and make time to prioritise your wellbeing.
* Holidays: 25 days of annual leave (rising to 30 with service), plus the option to buy or sell up to 5 extra days. Flexible bank holiday policy: swap up to 4 days to celebrate what matters most.
* Pension: up to 10% employer contributions.
* Enhanced Leave: Enhanced maternity (post‑probation) and 4 weeks paternity leave to paid neonatal and carers leave.
* Workations: Work abroad for up to 20 days a year in approved countries.
* Paid Birthday Leave: Take the day off and celebrate in style.
* Volunteering: 2 paid days a year to volunteer for a cause close to your heart.
* Learning & Development: Access to LinkedIn Learning.
* Financial Wellbeing: Free Snoop Premium subscription.
* Healthcare: Dental care via Denplan scheme; optional Private Medical Insurance for extra reassurance.
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’ll 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.
As a Senior Credit Risk Analyst, you will:
* Develop expert understanding of new business originations, including all aspects of decisioning and customer touch points.
* Provide regular reporting & monitoring to ensure risk strategies are effective.
* Support the 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, 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 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 communication skills, written and verbal.
* 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
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.
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.
We are proud signatories of the Armed Forces Covenant and actively support the Armed Forces community, including veterans, reservists and military families.
We care about your career and ambitions 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.
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.
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