At a Glance
- Tasks: Lead the design and testing of credit decisioning strategies across customer journeys.
- Company: Join a forward-thinking bank that values diversity and innovation.
- Benefits: Enjoy 25+ days holiday, flexible work options, and enhanced family leave.
- Other info: Collaborative team culture focused on continuous improvement and professional growth.
- Why this job: Make a real impact on credit decisions while mentoring junior analysts.
- Qualifications: 3+ years in data analytics with strong credit risk knowledge.
The predicted salary is between 50000 - 60000 € per year.
Contract Type: Permanent | Full Time
Location: Bradford, London and Petersfield
Working Pattern: Hybrid (usually a couple of days a week in the office). We welcome part-time and flexible arrangements and will aim to match your current flexibility where possible.
What We Offer
- Holidays: 25 days (rising to 30) + buy/sell up to 5 days + swap up to 4 bank holidays.
- Pension: Up to 10% employer contribution.
- Family Leave: Enhanced maternity and 4 weeks’ paternity from day-one, shared parental leave, paid neonatal care leave and support for adoption and surrogacy.
- Fertility Support: Paid time off for fertility treatment and appointments, available to birth parents and partners, with confidential support and flexible adjustments where needed.
- Workations: Work abroad for up to 20 days a year in approved countries.
- Birthday Leave: Your birthday off-paid.
- Volunteering: 2 paid volunteering days.
- Learning: Access to LinkedIn Learning for all colleagues.
- Financial Wellbeing: Free Snoop Premium subscription.
- Healthcare: Self-pay Denplan & optional Private Medical Insurance.
The Role
As a Senior Analyst, Decision Systems, you'll play a pivotal role in shaping how credit decisions are designed, tested and delivered across the customer lifecycle, with a particular focus on origination platforms, cards and onboarding journeys. You'll lead the development and testing of robust decisioning strategies, translating credit policy into scalable, well-governed system solutions that balance commercial outcomes with responsible lending and regulatory expectations. Using strong analytical skills, you'll investigate credit performance, deliver clear MI and dashboards, and help drive continuous improvement across data, reporting and decisioning infrastructure. You'll also influence key system changes and mentor junior analysts, contributing hands‑on to the evolution of our data-driven decisioning capabilities.
You and your Team
You'll join a collaborative, high-performing team at the heart of credit decisioning, working closely with Credit Risk, IT, Data, Product and Governance colleagues. The team values strong analytical thinking, attention to detail and proactive problem-solving, with a culture built on knowledge sharing, agile delivery and continuous improvement. Together, you'll work in a fast-paced, delivery-focused environment, fostering strong stakeholder relationships and a DevOps mindset to ensure solutions are well-designed, well-controlled and effectively implemented. Supported by experienced peers and leaders, you'll have the opportunity to grow your impact while helping to build capability across the wider team.
As a Senior Analyst, Decision Systems you will:
- Lead the design, development, and testing of credit decisioning strategies and system changes across the customer lifecycle.
- Collaborate with IT, data, and credit teams to define and document business requirements, ensuring accurate implementation and traceability.
- Develop and execute test plans to validate decision logic, system functionality, and data integrity, ensuring alignment with governance and regulatory standards.
- Monitor and investigate credit performance trends, providing actionable insights to support risk management and strategic decision-making.
- Deliver clear, concise management information (MI) and dashboards using tools such as Power BI and Excel, tailored to stakeholder needs.
- Define and support data infrastructure requirements to enable scalable and reliable reporting and analytics.
- Maintain strong stakeholder relationships across Credit, Product, and Technology teams to ensure alignment and effective delivery.
- Contribute to continuous improvement of processes and workflows, promoting a DevOps culture and adherence to governance frameworks.
- Mentor junior analysts and support cross‑functional knowledge sharing to build team capability.
What We're Looking For
- 3+ years’ experience working with data, reporting, or analytics within a Credit Risk or related function.
- Strong understanding of credit decisioning systems and consumer credit risk, ideally gained within sub‑prime, digital, or online lending environments.
- Demonstrated experience testing and validating credit strategies, decision logic, and system changes within a robust governance and control framework.
- Solid knowledge of corporate governance, risk controls, and regulatory expectations relating to credit risk and system development.
- Experience working within agile delivery environments, with an understanding of DevOps principles, continuous improvement, and cross‑functional collaboration.
- Advanced analytical and quantitative skills, with the ability to interpret complex data and translate insights into clear, actionable outcomes.
- Proven ability to plan, prioritise, and manage workload effectively in a fast‑paced, delivery-focused environment.
- Strong stakeholder engagement skills, with confidence working across Credit, Product, and Technology teams to gather requirements, share insights, and drive delivery.
- Highly analytical and detail-oriented approach to problem solving, with the ability to interpret complex system logic and validate decisioning outcomes against business and governance requirements.
Equal Opportunities
Vanquis Bank is an Equal Opportunity Employer. We value everyone's unique background, identity and experience, and we're committed to a workplace where all colleagues can thrive. If you need any adjustments or support during the recruitment process, please contact careers@vanquis.com.
Senior Analyst - Decision Systems employer: Information Commissioner’s Office
At Vanquis Bank, we pride ourselves on being an exceptional employer, offering a supportive and flexible work environment that prioritises employee well-being and growth. With generous benefits such as enhanced family leave, opportunities for professional development through LinkedIn Learning, and unique perks like workations and birthday leave, our culture fosters collaboration and innovation. Join us in Bradford, London, or Petersfield, where you'll be part of a high-performing team dedicated to shaping the future of credit decisioning while enjoying a healthy work-life balance.
Contact Detail:
Information Commissioner’s Office Recruiting Team
StudySmarter Expert Advice🤫
We think this is how you could land Senior Analyst - Decision Systems
✨Tip Number 1
Network like a pro! Reach out to your connections in the industry, attend relevant events, and don’t be shy about asking for introductions. We all know that sometimes it’s not just what you know, but who you know that can help you land that Senior Analyst role.
✨Tip Number 2
Prepare for those interviews by practising common questions related to credit decisioning systems and analytics. We recommend doing mock interviews with friends or using online platforms to get comfortable discussing your experience and skills in a way that resonates with the hiring team.
✨Tip Number 3
Showcase your analytical skills! Bring examples of your past work, like dashboards or reports you've created, to demonstrate your ability to deliver clear MI. We want to see how you can translate complex data into actionable insights that align with the role.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, we love seeing candidates who are proactive and engaged with our company from the get-go.
We think you need these skills to ace Senior Analyst - Decision Systems
Some tips for your application 🫡
Tailor Your CV:Make sure your CV reflects the skills and experiences that match the Senior Analyst role. Highlight your analytical skills and any experience with credit decisioning systems to grab our attention!
Craft a Compelling Cover Letter:Use your cover letter to tell us why you're passionate about this role. Share specific examples of how you've contributed to decision-making processes in previous jobs, and don’t forget to mention your teamwork skills!
Showcase Your Analytical Skills:Since this role is all about data and analytics, include any relevant projects or tools you've used, like Power BI or Excel. We want to see how you’ve turned complex data into actionable insights!
Apply Through Our Website:We encourage you to apply directly through our website for a smoother application process. It helps us keep track of your application and ensures you don’t miss out on any updates!
How to prepare for a job interview at Information Commissioner’s Office
✨Know Your Stuff
Make sure you brush up on your knowledge of credit decisioning systems and consumer credit risk. Be ready to discuss your experience with data, reporting, and analytics, especially in relation to the job description. This will show that you understand the role and can hit the ground running.
✨Showcase Your Analytical Skills
Prepare to demonstrate your analytical and quantitative skills during the interview. Bring examples of how you've interpreted complex data and translated insights into actionable outcomes. This could be through past projects or specific challenges you've tackled in your previous roles.
✨Engage with Stakeholders
Since the role involves strong stakeholder engagement, think of instances where you've successfully collaborated with different teams. Be ready to share how you gathered requirements and shared insights, as this will highlight your ability to work cross-functionally.
✨Embrace Continuous Improvement
Familiarise yourself with DevOps principles and continuous improvement practices. Be prepared to discuss how you've contributed to process enhancements in your previous roles. This will resonate well with the team’s culture of knowledge sharing and agile delivery.
