Commercial Planning Manager (Unsecured Lending)

• Maternity/Paternity:We realise that family time is important, we offer enhanced maternity (after successful completion of probation) and 4 weeks paternity leave

• Volunteering:2 paid days to give back to the charity of your choice

• Development:LinkedIn Learning for all

• Finance:Snoop Premium available to all colleagues

• Medical:Opportunity to opt in for Private Medical Insurance

• Bonus:Discretionary annual bonus

You and Your Team:

Responsible for delivering accurate, insightful, and actionable forecasts to drive strategic decision-making across the Unsecured Lending Product & Commercial function.

This individual will play a pivotal role in aligning credit card product performance with the companys financial objectives, ensuring a balance between growth and risk, and driving sustainable profitability.

In your day-to-day role, as a Commercial Manager:

Forecasting and Planning

• Develop and maintain detailed financial and volume forecasts for key metrics such as customer acquisition, portfolio growth, revenue, and cost of acquisition.

• Create scenario models to support the strategic planning process, incorporating external market trends and internal business drivers.

• Deliver monthly, quarterly, and annual forecasts, ensuring alignment with company objectives.

Data Analysis and Insights

• Analyse historical data to identify trends, risks, and opportunities in the portfolios performance.

• Provide clear and actionable insights to senior stakeholders to inform product development, pricing, customer value management and marketing strategies.

• Monitor and evaluate key performance indicators (KPIs) across the credit card portfolio to ensure targets are met.

Collaboration with Stakeholders

• Work closely with Product, Risk, Marketing, and Finance teams to align forecasting models with broader business objectives.

• Support commercial strategy development through data-driven recommendations and performance evaluations.

• Act as a key point of contact for senior leadership on forecasting-related queries and presentations.

Market and Risk Assessment

• Stay informed about macroeconomic trends, regulatory changes, and competitor activities that could impact the mid to high-risk credit card market.

• Collaborate with Risk and Compliance teams to incorporate risk tolerances and regulatory requirements into forecasts.

Model Development and Enhancement

• Build, maintain, and enhance robust forecasting models

• Identify and implement improvements to forecasting methodologies to increase accuracy and reliability.

• Leverage advanced tools and technologies to optimize forecasting processes.

• Proven experience in a forecasting, financial planning, or analytics role, ideally within financial services.

• In-depth knowledge of the UK credit card market.

• Proficiency in data analysis tools (e.g., SQL, Tableau, Power BI) and statistical software.

• Experience working within a regulated environment and knowledge of FCA guidelines.

• Ability to build and maintain strong relationships with internal and external stakeholders up to ExCo level.

• Demonstrated ability to drive financial performance and achieve business targets

Offers are subject to satisfactory background checks, including credit, fraud, and employment references.

Working Pattern:Hybridtypically a couple of days a week in the office. Part-time or flexible arrangements are considered to support work-life balance. A fear of losing your current working flexibility shouldn’t hinder you from applying for new opportunities, which is why we aim to match your existing flexible working arrangements where possible., Were just as committed to our colleagues as we are to our customers, offering competitive salaries, comprehensive benefits, and recognition schemes. With pension plans, our Buy as You Earn scheme, and ongoing training opportunities, we create a supportive environment where you can grow and thrive.

Bring your authentic self, find your voice, and build your career with usbecause at Vanquis, we believe in making the most of lifes opportunities.