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For Companies At a Glance
- Tasks: Lead data-driven strategies to optimise new business origination and lending decisions.
- Company: Join Vanquis, a leading specialist bank empowering over 1.69 million customers since 1880.
- Benefits: Enjoy flexible working, 25-30 days holiday, private medical insurance, and a discretionary bonus.
- Why this job: Make a real impact in a dynamic environment while growing your career with a supportive team.
- Qualifications: 2+ years in an analytical role, strong communication skills, and knowledge of consumer lending products.
- Other info: Embrace diversity and enjoy a culture that values your unique strengths and career growth.
The predicted salary is between 36000 - 60000 £ per year.
The Vacancy
Senior Credit Risk Analyst, New Business Origination Strategies
Contract Type: Permanent / Full Time
Location: Bradford, London 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
Are you passionate about turning data into powerful business decisions? At Vanquis we\’re looking for a Senior Credit Risk Analyst to lead the charge in shaping the future of our New Business Origination Strategies. In this pivotal role, you\’ll harness data-driven insights to design, implement, and continuously refine strategies that drive smart, responsible growth.
You\’ll become a subject matter expert in new business originations-diving deep into every aspect of decisioning and customer interaction. From the first touchpoint to final approval, your analytical expertise will ensure we strike the perfect balance between risk and opportunity.
With a strong focus on regular reporting and performance monitoring, you\’ll ensure our risk strategies remain sharp, effective, and aligned with our business goals. If you\’re ready to make a measurable impact in a dynamic, data-rich environment, this is your opportunity to lead with insight and innovation.
As a Senior Credit Risk Analyst, you will:
- Develop expert understanding of new business originations, including all aspects of decisioning and customer touch points.
- Regular reporting & monitoring to ensure risk strategies are effective.
- 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.
- 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.
- Support the automation of MI and processes to maximise integration, effectiveness and efficiency.
What We\’re Looking For
- 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 Consumer Lending products such as Credit cards, Loans or vehicle finance.
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.
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 Company
At Vanquis, we\’ve been empowering lives since 1880. As a FTSE All Share company and leading specialist bank, we lend responsibly to over 1.69 million UK customers.
We\’re 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 us-because at Vanquis, we believe in making the most of life\’s opportunities.
The Benefits
Competitive base salary and rewards
Private Medical Insurance
25 days holiday entitlement
one day accrued for each year of service (max 30 days)
Defined contribution pension scheme
Discretionary bonus scheme
Perks at Work
A perks platform of over 30,000 unique discounts
Volunteering
2 paid days to support a charity of your choice
Flexible, hybrid, & dynamic working policies
Personal & career development opportunities
Monthly and Quarterly Colleague Socials
Discounted gym membership
BUPA GP Service
Workplace Gallery
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Senior Credit Risk Analyst, New Business Origination Strategies employer: Vanquis Bank
Contact Detail:
Vanquis Bank Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Risk Analyst, New Business Origination Strategies
✨Tip Number 1
Familiarise yourself with the latest trends in credit risk analysis and new business origination strategies. This will not only help you understand the role better but also allow you to engage in informed discussions during interviews.
✨Tip Number 2
Network with professionals in the credit risk field, especially those who work at Vanquis or similar companies. Attend industry events or join relevant online forums to build connections that could provide insights or referrals.
✨Tip Number 3
Prepare to discuss specific examples of how you've optimised lending decisions or improved risk strategies in your previous roles. Having concrete data and outcomes to share will demonstrate your analytical capabilities effectively.
✨Tip Number 4
Research Vanquis Bank's culture and values thoroughly. Understanding their commitment to responsible lending and employee development will help you align your responses during the interview, showcasing that you're a great fit for their team.
We think you need these skills to ace Senior Credit Risk Analyst, New Business Origination Strategies
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in credit risk analysis and data-driven decision-making. Use specific examples that demonstrate your analytical skills and familiarity with consumer lending products.
Craft a Compelling Cover Letter: In your cover letter, express your passion for data-driven insights and how they can shape business strategies. Mention your understanding of new business originations and how your previous experience aligns with the role's requirements.
Highlight Communication Skills: Since excellent communication is key for this role, provide examples in your application that showcase your written and verbal communication skills. This could include presentations, reports, or collaborative projects you've worked on.
Showcase Analytical Projects: Detail any complex analytical projects you've led or contributed to, especially those that resulted in measurable business benefits. This will demonstrate your ability to deliver data-driven recommendations effectively.
How to prepare for a job interview at Vanquis Bank
✨Understand the Role
Make sure you have a solid grasp of what a Senior Credit Risk Analyst does, especially in relation to new business origination strategies. Familiarise yourself with key responsibilities like data analysis, risk assessment, and strategy optimisation.
✨Showcase Your Analytical Skills
Prepare to discuss specific examples from your past experience where you've successfully used data to drive business decisions. Highlight any projects that involved complex analysis or innovative solutions, as this will demonstrate your capability in the role.
✨Communicate Clearly
Since excellent communication skills are essential for this position, practice articulating your thoughts clearly and concisely. Be ready to explain technical concepts in a way that is understandable to non-technical stakeholders.
✨Ask Insightful Questions
Prepare thoughtful questions about the company's approach to credit risk and their future strategies. This shows your genuine interest in the role and helps you assess if the company aligns with your career goals.
