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For Companies At a Glance
- Tasks: Analyse consumer credit risk and optimise lending strategies for better customer outcomes.
- Company: Join Vanquis, a leading specialist bank with a caring culture.
- Benefits: Enjoy flexible working, competitive salary, and generous leave options.
- Why this job: Make a real impact on financial wellbeing while developing your analytical skills.
- Qualifications: 2+ years in credit risk analysis with strong quantitative skills.
- Other info: Be part of a diverse team that values your unique strengths.
The predicted salary is between 36000 - 60000 £ per year.
Overview
The Vacancy
Senior Credit Risk Analyst, Responsible Lending
Contract Type: Permanent/ Full Time
Location Bradford, Chatham, Petersfield or London
Working Pattern: Hybrid – typically one to two 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.
The Role
Were looking for a Senior Credit Risk Analyst to join our Responsible Lending and Open Banking team at Vanquis. This role is ideal for someone with a strong background in consumer credit risk analysis, particularly in managing and optimising strategies for customers with long-term financial challenges. Youre going to use data-driven insights to shape lending decisions, drive portfolio performance, and ensure responsible risk-reward outcomes. If you thrive on complex analysis, strategic thinking, and making a real impact on customer outcomes, we love to hear from you.
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.
- 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.
- Apply data-led insights to identify and support financially vulnerable customers, ensuring strategies promote fair outcomes, responsible lending, and long-term customer wellbeing.
What We\’re Looking For
- Experienced in consumer credit, preferably in the sub-prime or online lending. Exceptional quantitative skills including credit analytics.
- Present clear and concise results using aggregated data, highlighting key trends, opportunities/risks and recommendations.
- Support the testing and delivery of changes to credit strategies, liaising with the relevant departments.
- Minimum of 2 years\’ experience in an analytical role within 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, prioritise deadlines whilst working at a fast pace.
- Clear, logical and analytical approach to problem solving.
- Attention to detail / accuracy focused.
- Coding skills with SAS/SQL/Python or similar software.
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 1.7 million UK customers. We see ourselves as the bank that\’s got your back.
Vanquis has been named one of the Financial Times UK\\u2019s 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 are proud signatories of the Armed Forces Covenant and actively support the Armed Forces community, including veterans, reservists, and military families.
We take care of our colleagues as well as our customers, we are creating a workplace where everyone feels connected, valued, empowered and rewarded – all guided by our four core values – caring for people, pulling together, finding better ways and getting the right things done.
Rewarding our colleagues goes beyond pay. Were building a culture where everyone feels valued, motivated, and proud. Alongside competitive salaries, we offer meaningful benefits, annual salary reviews, a discretionary bonus scheme and evolving recognition.
We care about your career and ambitions just as much as you do, offering tools, guidance and opportunities to help you grow. Take ownership, stay curious and well match your ambition with unique experiences, hands-on learning and tailored development to support your career journey.
Equal Opportunities
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.
The Benefits
What We Offer
- Holidays: 25 days of annual leave (rising to 30 with service), and tailor your time off by buying or selling up to 5 extra days. Plus, with our flexible bank holiday policy, you can swap up to 4 days to celebrate what matters most to you – whether that\’s skipping Easter or switching up your Christmas plans.
- Pension: Up to 10% employer contributions.
- Enhanced Leave: Enhanced maternity (post-probation) and 4 weeks paternity leave to paid neonatal and carers leave.
- Workations: Work abroad for up to 20 days a year in approved countries.
- Paid Birthday Leave: Take the day off to celebrate your birthday.
- Volunteering: 2 paid days a year to volunteer for a cause.
- Learning & Development: Access to LinkedIn Learning for all colleagues.
- Financial Wellbeing: Free Snoop Premium subscription.
- Healthcare: Denplan for dental care and Private Medical Insurance optional.
Benefits include private medical insurance, 25 days holiday entitlement (max 30), defined contribution pension, discretionary bonus, Perks at Work, volunteering days, flexible/hybrid working policies, personal & career development, socials, gym discounts, BUPA GP Service.
Contact Equal Opportunities and recruitment inquiries: careers@vanquis.com
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Senior Credit Risk Analyst employer: Vanquis Bank
Contact Detail:
Vanquis Bank Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Risk Analyst
✨Tip Number 1
Network like a pro! Reach out to your connections in the industry, attend relevant events, and don’t be shy about letting people know you’re on the hunt for a Senior Credit Risk Analyst role. You never know who might have the inside scoop on an opportunity!
✨Tip Number 2
Prepare for interviews by brushing up on your technical skills and understanding of consumer credit risk. Be ready to discuss how you've used data-driven insights in past roles to optimise lending decisions. Show them you can make a real impact!
✨Tip Number 3
Don’t just apply anywhere; focus on companies that align with your values. At StudySmarter, we believe in responsible lending and supporting customers. Make sure to highlight your passion for these principles when you apply through our website!
✨Tip Number 4
Follow up after interviews! A quick thank-you email can go a long way in showing your enthusiasm for the role. It’s also a great chance to reiterate why you’d be a perfect fit for the Senior Credit Risk Analyst position.
We think you need these skills to ace Senior Credit Risk Analyst
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Senior Credit Risk Analyst role. Highlight your experience in consumer credit risk analysis and any relevant quantitative skills. We want to see how your background aligns with our needs!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about responsible lending and how you can contribute to our team. Keep it concise but impactful – we love a good story!
Showcase Your Analytical Skills: Since this role involves complex analysis, be sure to showcase your analytical skills in your application. Mention specific projects or experiences where you've used data-driven insights to make decisions or improve outcomes.
Apply Through Our Website: We encourage you to apply through our website for a smoother process. It helps us keep track of applications and ensures you don’t miss out on any important updates. Plus, it’s super easy!
How to prepare for a job interview at Vanquis Bank
✨Know Your Numbers
As a Senior Credit Risk Analyst, you'll need to showcase your quantitative skills. Brush up on key metrics and analytics related to consumer credit. Be ready to discuss how you've used data-driven insights in past roles to optimise lending strategies.
✨Understand the Customer Lifecycle
Familiarise yourself with the customer management lifecycle, especially decisioning and touchpoints. Prepare examples of how you've supported lending decisions and improved customer outcomes in previous positions. This will show your understanding of the role's responsibilities.
✨Communicate Clearly
Excellent communication is crucial for this role. Practice presenting complex data in a clear and concise manner. Think about how you can highlight trends and recommendations effectively, as this will be key during your interview.
✨Showcase Your Problem-Solving Skills
Be prepared to discuss specific challenges you've faced in credit risk analysis and how you approached them. Use the STAR method (Situation, Task, Action, Result) to structure your answers, demonstrating your logical and analytical approach to problem-solving.
