Salary
Location
London/Bradford
The Vacancy
You will use data driven insights to develop, implement and optimise Existing Customer Management Strategies for Vanquis
Responsibilities:
* Develop expert understanding of the customer management lifecycle, including all aspects of decisioning and customer touch points
* 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
Experience required:
* Experienced in consumer credit, preferably in the sub-prime or online lending sector
* Exceptional quantitative skills including credit analytics
* Present, both written and verbal, clear and concise results using aggregated data, highlighting key trends, opportunities/risks and recommendations.
* Coding expertise or other transferable skills
* Support the testing and delivery of changes to credit strategies, liaising with the relevant departments
* Honours Degree or equivalent in a quantitative subject such as Mathematics, Statistics
* Minimum of 2 years' experience in an analytical role, preferably in 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 Retail Consumer Lending products such as Credit cards, Loans, Overdrafts or Mortgages.
* Proven ability to effectively plan and organise work effectively and prioritise deadlines whilst working at a fast pace.
* Good influencing and communication skills.
* Challenges conventional approaches.
* Clear, logical and analytical approach to problem solving.
* Attention to detail / accuracy focussed.
* Coding skills with SAS/SQL/Python or similar software.
* Proficient with standard MS Office applications
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