Senior Credit Risk Strategy and Insights Analyst
Permanent • Full Time
Location: Bradford, Petersfield or London
Working Pattern: Hybrid—typically one day a week in the office. Flexible arrangements considered to support work‑life balance.
What We Offer
* Holidays: 25 days of annual leave (rising to 30 with service), with up to 5 extra days purchased or sold. Flexible bank holiday policy allows swapping up to 4 days.
* Pension: Up to 10% employer contributions.
* Enhanced Leave: Enhanced maternity (post‑probation) and 4 weeks paid paternity, neonatal and carers leave.
* Workations: Work abroad up to 20 days a year in approved countries.
* Paid Birthday Leave: Take the day off.
* Volunteering: 2 paid days a year.
* Learning & Development: Access to LinkedIn Learning.
* Financial Wellbeing: Free Snoop Premium subscription.
* Healthcare: Self‑pay Denplan dental scheme and optional Private Medical Insurance.
The Role
As a Senior Credit Risk Strategy & Insights Analyst you’ll shape the credit decisioning across the customer lifecycle. You’ll lead the design, testing and implementation of decisioning strategies that enable responsible lending and sustainable business growth.
Responsibilities
* Lead the design, development and testing of credit decisioning strategies and system changes across the customer lifecycle.
* Translate business needs into clear requirements, ensuring accurate implementation and full traceability.
* Develop and execute test plans to validate decision logic, system functionality and data integrity.
* Analyse credit performance trends and provide actionable insights to shape risk management and strategy.
* Deliver clear, engaging MI and dashboards using Power BI and Excel.
* Define and support data requirements for reliable reporting and scalable analytics.
* Build strong relationships across Credit, Product and Technology teams to ensure aligned delivery.
* Champion continuous improvement in processes, workflows and governance.
* Mentor junior analysts and share knowledge to strengthen team capability.
What We’re Looking For
* 3+ years’ experience in data, reporting or analytics within a Credit Risk or related function.
* Hands‑on experience with credit decisioning systems, testing environments and data validation.
* Problem‑solving mindset; able to tackle unfamiliar challenges.
* Strong communication skills; able to explain complex topics and influence stakeholders.
* Experience mentoring or coaching junior colleagues.
* Proficiency in SQL for data extraction, manipulation and validation.
* Proactive, self‑starter attitude with ability to work independently while supporting team goals.
Offers are subject to satisfactory background checks, including credit, fraud and employment references.
About Vanquis
Vanquis delivers caring banking to over 1.7 million UK customers. Founded in 1880, it is a FTSE All Share specialist bank. 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.
Vanquis is an Equal Opportunity Employer. We embrace diversity and support the Armed Forces community.
If you need support during the recruitment process, contact careers@vanquis.com.
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