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- Tasks: Lead portfolio analytics, deliver insights, and shape credit strategy for our Cards portfolio.
- Company: Join Vanquis, a caring bank recognised as one of the UK's Best Employers 2025.
- Benefits: Competitive pay, meaningful benefits, salary reviews, and a bonus scheme.
- Why this job: Make a real impact with data-driven decisions in a supportive, collaborative environment.
- Qualifications: 3+ years in data analytics, strong SQL skills, and a knack for clear communication.
- Other info: Hybrid work model with opportunities for professional growth and development.
The predicted salary is between 55000 - 65000 £ per year.
Overview
Working Pattern: As a team, we work hybrid – coming into the office 1 day a week to collaborate and stay connected.
Closing Date: 21st April 2026
You and Your Team
As a Lead Analyst, Portfolio Analytics, you’ll play a pivotal role in shaping our business strategy by delivering comprehensive portfolio monitoring and actionable insights for our Cards portfolio, while also providing occasional analytical support for Vehicle Finance and 2nd Charge Mortgages. You’ll lead the development and optimisation of Management Information reporting suites, analyse customer behaviours, and use advanced analytics to identify trends, risks, and opportunities. Your insights will directly influence credit strategy, risk appetite, and operational decisions, ensuring we balance risk and reward effectively while keeping the customer at the heart of everything we do.
You’ll be joining a collaborative, high-performing team that thrives on sharing knowledge and driving continuous improvement. Working closely with the Portfolio Analytics and Forecasting Manager, Credit Risk Strategy Managers, and colleagues across risk, finance, and product, you’ll be part of a supportive environment where your analytical skills and curiosity are valued. We’re passionate about understanding our customers and making data-driven decisions that deliver positive outcomes.
What You Will Be Doing
- Perform in depth reviews of customer performance, providing valuable insight and giving recommendations for credit strategy updates.
- Analyse portfolio data and variances to forecasts and lead on discussions and challenges that help inform the development of policy, scorecards, and strategies.
- Lead data-driven proposals to define appropriate Risk Appetite Metrics, taking measured credit risk in pursuit of strategic objectives and monitoring exposures on an ongoing basis ensuring appropriate thresholds are set.
- Build a robust reporting framework to support the Credit Risk forecasting models for the credit cards portfolios and to predict trends, risks, and opportunities.
- Investigation and development of new data sources to be used for analysis working with stakeholders across project and transformational change programs.
- Use statistical models and advanced data analytics techniques to provide actionable insights into portfolio performance, risk exposure, and credit quality.
- Regularly track and assess portfolio performance, using forecasting data to inform operational strategies and explain deviations from forecasts where necessary.
- 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.
What Will Make You Stand Out
- 3+ years’ experience in data analytics, cards portfolio analysis, or a related field within the consumer credit industry.
- Strong background in Consumer Lending performance monitoring, with knowledge of IFRS9 impairments is highly beneficial.
- SQL is essential for this role, and experience with other analytics tools such as Snowflake, Power BI, and Python would be highly beneficial.
- Proven ability to succeed in an analytical team, prioritising tasks and delivering strategic guidance.
- Skilled at turning complex data into clear business insights and communicating results to non-technical audiences.
- Strong attention to detail and a passion for accuracy in performance monitoring and delivering insight.
- Advanced Excel to analyse complex data and create clear, compelling PowerPoint presentations for senior stakeholders - essential.
Who we are
At Vanquis, our purpose is simple: to deliver caring banking that helps people make the most of life’s opportunities. Founded in 1880, we’re now a FTSE All Share specialist bank supporting over 1.7 million UK customers with responsible, tailored lending.
We’re proud to be certified as a Great Place to Work and recognised by the Financial Times as one of the UK’s Best Employers 2025 — ranked top 50 nationwide and seventh in Banking & Financial Services.
We’re also proud signatories of the Armed Forces Covenant, actively supporting veterans, reservists and military families.
Guided by our values — caring for people, pulling together, finding better ways and getting the right things done — we’re building a workplace where colleagues feel connected, valued and empowered. Alongside competitive pay, we offer meaningful benefits, salary reviews, a discretionary bonus scheme and continued recognition.
We’re invested in your development too. With the right support and hands-on learning, you’ll grow your skills, shape your career and realise your ambitions.
Lead Analyst, Portfolio Analytics in Bradford employer: Vanquis
Contact Detail:
Vanquis Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Lead Analyst, Portfolio Analytics in Bradford
✨Tip Number 1
Network like a pro! Reach out to current employees on LinkedIn or through mutual connections. Ask them about their experiences and any tips they might have for landing the Lead Analyst role. Personal connections can give you an edge!
✨Tip Number 2
Prepare for the interview by diving deep into the company’s values and recent projects. Show us that you understand our mission of caring banking and how your analytical skills can contribute to that. Tailor your examples to highlight your experience in consumer lending and data analytics.
✨Tip Number 3
Practice your storytelling! When discussing your past experiences, frame them in a way that showcases your problem-solving skills and how you’ve turned complex data into actionable insights. We love hearing about real-world applications of your work!
✨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, it shows us you’re genuinely interested in being part of our team at Vanquis.
We think you need these skills to ace Lead Analyst, Portfolio Analytics in Bradford
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Lead Analyst role. Highlight your experience in data analytics and portfolio analysis, especially in consumer lending. We want to see how your skills align 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 this role and how you can contribute to our team. Be sure to mention any relevant tools like SQL or Power BI that you've used.
Showcase Your Analytical Skills: In your application, don’t just list your skills—show us how you've used them! Provide examples of how you've turned complex data into actionable insights. We love seeing real-world applications of your expertise.
Apply Through Our Website: We encourage you to apply through our website for a smoother process. It helps us keep track of your application and ensures you get all the updates directly from us. Plus, it’s super easy!
How to prepare for a job interview at Vanquis
✨Know Your Numbers
As a Lead Analyst, you'll be expected to dive deep into data. Brush up on your SQL skills and be ready to discuss how you've used data analytics tools like Power BI or Python in previous roles. Prepare specific examples of how your insights have influenced credit strategies or operational decisions.
✨Showcase Your Analytical Mindset
Be prepared to demonstrate your analytical thinking during the interview. Think of a time when you identified a trend or risk in a portfolio and how you communicated that to non-technical stakeholders. This will show your ability to turn complex data into actionable insights.
✨Understand the Business Context
Familiarise yourself with the consumer lending landscape, especially around credit cards and IFRS9 impairments. Being able to discuss current trends in the industry and how they might impact the role will impress your interviewers and show your genuine interest in the position.
✨Prepare for Team Dynamics
Since this role involves collaboration with various teams, think about your experiences working in a team environment. Be ready to share examples of how you've contributed to a high-performing team and how you handle challenges or conflicts. This will highlight your fit within their collaborative culture.