Senior Credit Decision Systems Analyst in Bradford

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 Credit Decision Systems Analyst 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 Credit Decision Systems Analyst, 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.

How We Hire

We use AI to help organise applications and surface early matches, but all decisions are made by humans. Please apply authentically — especially during interviews. If you need assistive technology or reasonable adjustments (including the use of AI tools), please let the Talent Acquisition team know in advance and we’ll be happy to support you. Where we have reason to believe AI has been used inappropriately, we reserve the right to withdraw a candidate from the recruitment process. Pre-Employment Checks; Any offer made will be subject to standard background checks, including credit, fraud and employment references. Due to the regulated nature of our business, additional checks may apply.

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 by Great Place to Work, recognised as one of the Financial Times UK’s Best Employers in 2025 and 2026, and awarded Bronze status under the Armed Forces Covenant. Taken together, these achievements reflect our genuine commitment to putting our people first and supporting those who serve.

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.

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 and we’ll be happy to help.