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- Tasks: Analyse data to enhance responsible lending strategies and support customer-centric decisions.
- Company: Join Vanquis, a leading specialist bank with a strong commitment to responsible lending.
- Benefits: Enjoy flexible working, 25-30 days holiday, workations, and access to LinkedIn Learning.
- Why this job: Be part of a dynamic team making a real impact on customer lives through innovative data solutions.
- Qualifications: 2+ years in Credit Risk analysis; proficient in SAS, SQL, or Python.
- Other info: Vanquis values diversity and offers a supportive environment for all employees.
The predicted salary is between 36000 - 60000 £ per year.
Senior Analyst, Responsible Lending and Open Banking
Join to apply for the Senior Analyst, Responsible Lending and Open Banking role at Vanquis
Senior Analyst, Responsible Lending and Open Banking
Join to apply for the Senior Analyst, Responsible Lending and Open Banking role at Vanquis
Senior Analyst, Responsible Lending and Open Banking
Contract Type: Permanent | Full Time
Location: London, Bradford or Petersfield. Occasional travel to other offices may be required.
Working Pattern: Hybrid—typically 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.
What We Offer
- Holidays: 25 days, increasing to 30 days with service
- Pension: Up to 10% employer contribution
- Family Leave: Enhanced maternity (post-probation) and 4 weeks paternity leave
- Workations: Work abroad for up to 20 days a year (approved countries)
- Volunteering: 2 paid days to support a charity of your choice
- Learning & Development: Access to LinkedIn Learning for all colleagues
- Financial Wellbeing: Free Snoop Premium subscription
- Connection & Culture: Quarterly socials, in-person and virtual company updates
- Healthcare: Option to join Private Medical Insurance
- Bonus: Discretionary annual bonus
The Role
Join us in shaping the future of lending by supporting the evaluation and integration of alternative data sources into affordability and credit risk strategies across Loans, Vehicle Finance, and Credit Cards. This role offers the opportunity to assess open banking transactional data and contribute to smarter, data-driven lending decisions. You\’ll play a key part in helping us extend credit to underserved UK customers, grow our market share, and optimise profitability—all while ensuring positive customer outcomes. With a strong analytical foundation, you\’ll drive innovation through test-and-learn initiatives and collaborate with stakeholders to ensure our strategies are effective, well-communicated, and aligned with our risk appetite.
You and your Team
You’ll be joining a dynamic and collaborative Credit Risk team that thrives on analytical excellence and knowledge sharing. We’re passionate about using data to make a real difference—whether it’s improving portfolio performance or delivering innovative solutions. With a strong focus on affordability and responsible lending, we work closely with other Credit Risk functions and business units to ensure our strategies are robust and customer-centric. If you\’re someone who enjoys solving complex problems, sharing insights, and working in a supportive, forward-thinking environment, we’d love to have you on board.
As a Senior Credit Risk Analyst, you will:
- Investigate and develop new data sources to be used for affordability analysis and decisioning.
- Contribute to discussions and challenges that help inform the development of Responsible Lending policies and strategies.
- Develop expert understanding of the customer management lifecycle, including all aspects of decisioning and customer touch points.
- Perform in depth reviews of customer affordability, providing insight and giving recommendations for credit strategy updates.
- Be ‘customer-obsessed’ and have the appetite to understand our customers, how they behave, and provide insight that helps the business make decisions that positively impact the customer.
- Ensure compliance with policies, procedures and external regulatory frameworks and ensure that the principles of responsible lending are upheld in line with the Group’s Responsible Lending Policy.
- Support business growth and portfolio profitability by balancing risk, reward and responsible lending, whilst 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
What We’re Looking For
- 2+ years experience in a Credit Risk analytical role is essential
- Proficient in SAS, SQL, or Python.
- Experience in analytical tools such as SAS VA or PowerBI.
- Ability to interpret data and develop meaningful insight which can support and drive decision-making.
- 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.
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 1.69 million UK customers. We see ourselves as the bank that’s got your back.
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. This recognition is based on independent employee feedback, reflecting our strong workplace culture, career growth opportunities, and commitment to our people.
We take care of our colleagues as well as our customers, working hard to create a rewarding and supportive work environment. That means competitive salaries, benefits, and a Group-wide recognition scheme. Everyone can enrol in our pension and after six months, you can join our ‘Buy as You Earn’ scheme.
We’re about more than financial rewards though. We give everyone a voice in the business and room to be their authentic self. And we know you’re here to build your career, so we help every colleague with training and development opportunities. Making sure there’s always something new to learn.
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 .
Seniority level
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Seniority level
Associate
Employment type
-
Employment type
Full-time
Job function
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Job function
Analyst
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Industries
Financial Services and Banking
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Senior Analyst, Responsible Lending and Open Banking employer: Vanquis
Contact Detail:
Vanquis Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Analyst, Responsible Lending and Open Banking
✨Tip Number 1
Familiarise yourself with the latest trends in responsible lending and open banking. Understanding how alternative data sources are being integrated into credit risk strategies will give you an edge in discussions during interviews.
✨Tip Number 2
Network with professionals in the financial services sector, especially those involved in credit risk analysis. Engaging in conversations about their experiences can provide valuable insights and may even lead to referrals.
✨Tip Number 3
Brush up on your analytical skills, particularly in SAS, SQL, or Python. Being able to demonstrate your proficiency in these tools during the interview will show that you're ready to hit the ground running.
✨Tip Number 4
Prepare to discuss real-world examples of how you've used data to drive decision-making in previous roles. Highlighting your ability to interpret data and provide actionable insights will resonate well with the hiring team.
We think you need these skills to ace Senior Analyst, Responsible Lending and Open Banking
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in credit risk analysis, particularly with tools like SAS, SQL, or Python. Emphasise any previous roles where you contributed to responsible lending strategies or worked with alternative data sources.
Craft a Compelling Cover Letter: In your cover letter, express your passion for responsible lending and how your analytical skills can contribute to Vanquis's mission. Mention specific projects or experiences that demonstrate your ability to drive data-driven decisions.
Showcase Communication Skills: Since excellent communication is key for this role, provide examples in your application of how you've effectively communicated complex data insights to stakeholders. This could be through presentations, reports, or collaborative projects.
Highlight Customer Focus: Demonstrate your understanding of customer behaviour and how it impacts lending decisions. Include examples of how you've used data to improve customer outcomes or enhance the customer experience in previous roles.
How to prepare for a job interview at Vanquis
✨Showcase Your Analytical Skills
As a Senior Analyst, you'll need to demonstrate your analytical prowess. Prepare examples of past projects where you've successfully used SAS, SQL, or Python to derive insights from data. Be ready to discuss how these insights influenced decision-making.
✨Understand Responsible Lending Principles
Familiarise yourself with the principles of responsible lending and how they apply to the role. Be prepared to discuss how you would ensure compliance with these principles in your analysis and recommendations.
✨Communicate Clearly and Effectively
Excellent communication skills are crucial for this position. Practice articulating complex data findings in a clear and concise manner. Think about how you can convey your insights to stakeholders who may not have a technical background.
✨Demonstrate Customer-Centric Thinking
The role emphasises being 'customer-obsessed'. Prepare to discuss how your analyses can lead to better customer outcomes. Share examples of how you've previously considered customer behaviour in your work and how it shaped your recommendations.
