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- Tasks: Lead credit risk strategies for vehicle finance, driving change through data insights and collaboration.
- Company: Join Vanquis, a leading specialist bank with a strong commitment to caring banking since 1880.
- Benefits: Enjoy flexible hybrid work, 25-30 days holiday, enhanced family leave, and opportunities for workations.
- Why this job: Shape impactful credit strategies while fostering a high-performance culture in a supportive environment.
- Qualifications: Experience in credit risk, strong analytical skills, and leadership capabilities are essential.
- Other info: Vanquis values diversity and offers training opportunities to help you grow your career.
The predicted salary is between 36000 - 60000 £ per year.
Credit Risk Strategy Manager, Vehicle Finance
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Credit Risk Strategy Manager, Vehicle Finance
Join to apply for the Credit Risk Strategy Manager, Vehicle Finance role at Vanquis
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Credit Risk Strategy Manager, Vehicle Finance
Contract Type: Permanent ¦ Full Time
Location: Bradford, Petersfield or London, occasional travel to other office locations may be required.
Working Pattern: Hybrid—typically a couple of days a week in the office. 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
An exciting opportunity as a Credit Risk Strategy Manager to lead the development and optimisation of new business credit strategies for all consumer products within Vanquis, with a clear focus on vehicle finance. You will drive impactful change through data-driven insights, rigorous testing, and continual learning. Working at the intersection of credit risk, customer strategy, and product innovation, you will play a central role in shaping the vehicle finance proposition for non- Vanquis customers, collaborating closely with stakeholders across Customer, Product, and Finance.
You and Your Team
You will bring a strong blend of strategic thinking, analytical expertise, and leadership capability to the role. With deep experience in credit risk strategy, you will lead a senior team of analysts focused on developing and executing data-driven credit decisions that balance commercial objectives with regulatory compliance. You’ll foster a high-performance culture by coaching and mentoring your team, enhancing their technical capabilities and encouraging innovation. Together, you and your team will own the end-to-end credit lifecycle for new business, ensuring decisions are underpinned by robust analysis, clear governance, and continuous improvement.
As a Credit Risk Strategy Manager, you will:
- Establish a credit risk framework – incorporating risk monitoring and feedback processes – to ensure appropriate decisioning for both customers and the business within the Group’s risk appetite
- Driving the optimisation of lending decisions through test and learn initiatives to identify champion strategies for new customers
- Investigating and developing new data sources to be used for analysis and decisioning
- Influencing stakeholders across the Group – ranging from peers to Senior Management – to gain buy-in and support to deliver change as required
- Supporting business growth and portfolio profitability – ensuring a balance between risk, reward and responsible lending – while controlling credit quality and performance
- Providing colleagues with opportunities to succeed, devoting dedicated time to empowering people through coaching, mentoring and sharing expertise and knowledge
- Presenting clear and concise results (both written and verbal) using aggregated data, highlighting key trends, opportunities/risks and recommendations
- Liaising closely with commercial teams to provide recommendations that enhance decisioning, for the objective of improving both customer and business outcomes
- Driving continuous improvement of credit risk strategies, supporting strategic objectives for growth while minimising impairment and conduct risks
What We’re Looking For:
- Credit Risk experience – in consumer credit (Cards, Loans and Vehicle Finance), experience with Vehicle Finance is essential
- Strong numerical capability with experience in converting analytical information into a business narrative through strong commercial acumen
- Communication – ability to articulate complex ideas to stakeholders in order to influence or persuade
- Problem solving – finding innovative ways to address issues or risks identified, or discovering opportunities to enhance existing strategies
- Management – Experience of managing an analytical team, prioritising activities while providing strategic direction and maintaining motivation through coaching and colleague development
- Keeps up to date with latest regulatory and macro-economic developments and trends
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 careers@vanquis.com.
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Credit Risk Strategy Manager, Vehicle Finance employer: Vanquis
Contact Detail:
Vanquis Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Risk Strategy Manager, Vehicle Finance
✨Tip Number 1
Familiarise yourself with the latest trends in vehicle finance and credit risk management. This will not only help you understand the industry better but also allow you to engage in informed discussions during interviews, showcasing your expertise.
✨Tip Number 2
Network with professionals in the credit risk and vehicle finance sectors. Attend industry events or join relevant online forums to connect with potential colleagues or mentors who can provide insights and possibly refer you for the role.
✨Tip Number 3
Prepare to discuss specific examples of how you've successfully led teams or projects in credit risk strategy. Highlight your analytical skills and ability to influence stakeholders, as these are crucial for the role.
✨Tip Number 4
Research Vanquis Bank's culture and values. Understanding their commitment to responsible lending and employee development will help you align your answers during interviews, demonstrating that you're a good fit for their team.
We think you need these skills to ace Credit Risk Strategy Manager, Vehicle Finance
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in credit risk strategy, particularly in vehicle finance. Use specific examples that demonstrate your analytical skills and leadership capabilities.
Craft a Compelling Cover Letter: In your cover letter, express your passion for the role and the company. Discuss how your background aligns with the responsibilities of the Credit Risk Strategy Manager position and mention any innovative strategies you've implemented in previous roles.
Showcase Your Analytical Skills: Provide concrete examples of how you've used data-driven insights to influence business decisions. Highlight any experience you have with developing credit risk frameworks or optimising lending decisions.
Prepare for Potential Questions: Anticipate questions related to credit risk management and stakeholder engagement. Be ready to discuss how you would approach challenges in the role and provide examples of how you've successfully managed teams in the past.
How to prepare for a job interview at Vanquis
✨Showcase Your Credit Risk Expertise
Make sure to highlight your experience in credit risk, particularly in consumer credit and vehicle finance. Be prepared to discuss specific strategies you've implemented and the outcomes they achieved.
✨Demonstrate Analytical Skills
Prepare to explain how you've used data analysis to inform decision-making. Bring examples of how you've converted complex analytical information into actionable business narratives that influenced stakeholders.
✨Communicate Effectively
Practice articulating your ideas clearly and concisely. You’ll need to demonstrate your ability to communicate complex concepts to various stakeholders, so consider preparing a few key points or stories that illustrate your communication skills.
✨Emphasise Leadership and Team Development
Be ready to discuss your management style and how you’ve successfully led teams in the past. Highlight your experience in coaching and mentoring, and how you've fostered a high-performance culture within your team.
