Lead Analyst, Portfolio Analytics and Forecasting in Bradford

Chatham, UK • London, UK

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.