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For Companies At a Glance
- Tasks: Lead innovative strategies in Credit Risk and optimise Collections decisions.
- Company: Join Vanquis, a caring bank with a focus on innovation and employee wellbeing.
- Benefits: Enjoy 25-30 days holiday, enhanced leave, workations, and birthday off.
- Why this job: Make a real impact in a collaborative team while shaping smarter financial strategies.
- Qualifications: Experience in analytics, coding skills, and a passion for challenging the norm.
- Other info: Be part of a Great Place to Work and grow your career with us.
The predicted salary is between 28800 - 43200 £ per year.
Join to apply for the Senior Credit Risk Analyst, Collections role at Vanquis.
Location: Bradford, Chatham, Petersfield or London
Working Pattern: Hybrid (usually one day 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.
- Enhanced Leave: Enhanced maternity (post-probation), 4 weeks’ paternity, and paid neonatal & carers leave.
- Workations: Work abroad for up to 20 days a year in approved countries.
- Birthday Leave: Your birthday off—paid.
- Learning: Access to LinkedIn Learning for all colleagues.
- Financial Wellbeing: Free Snoop Premium subscription.
- Healthcare: Self-pay Denplan & optional Private Medical Insurance.
The Role
We’re on the hunt for a Senior Credit Risk Analyst to join our forward-thinking Collections team, where innovation meets impact. This isn’t just about crunching numbers—it’s about shaping smarter strategies for Credit Cards and Vehicle Finance. You’ll lead test-and-learn initiatives, refine decision-making frameworks, and champion cutting-edge credit risk practices that drive real business results. If you thrive at the intersection of data science and business strategy, this is your chance to make a tangible difference.
You and your Team
You’ll be joining a passionate, collaborative team that’s transforming the way we approach Collections. We’re curious, data-driven, and always looking for smarter ways to deliver customer and business benefits. Our culture is built on innovation, continuous learning, and challenging the status quo—because we believe the best ideas come from those who dare to think differently. Together, we’re shaping strategies that matter.
As a Senior Credit Risk Analyst, Collections you will:
- Drive the optimisation of Collections decisions through test and learn initiatives to identify champion strategies.
- Evaluate the quality of the data, and communicate any issues with interpretation of subsequent analyses.
- Support research into the adoption of new credit risk tools, data sources, regulatory change and technical developments.
- Evaluate the business impact of proposed new strategy developments to tie back cost and benefit to the P&L.
- Support the regular reporting and monitoring required ensuring that all strategies are performing, and movements are understood.
- Support the wider existing customer team where strategies overlap and on occasion where priority necessitates.
- Perform inquisitive and innovative analysis and provide logical recommendations resulting in customer and/or business benefits.
- Responsible for automating and streamlining processes to maximise integration, effectiveness and efficiency.
What We’re Looking For
- Experience in an analytical role, within a collections or Credit Risk environment.
- Experience with decisioning systems.
- Exceptional quantitative skills including credit analytics.
- Coding skills with SAS/SQL/Python or similar software.
- Experience in Credit Analytics.
- Good influencing and communication skills.
- Challenges conventional approaches.
- Experience of strategy optimisation.
Offers are subject to standard background checks (credit, fraud and employment references).
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.
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. 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.
Seniority Level: Associate
Employment Type: Full-time
Job Function: Analyst
Industries: Financial Services and Banking
Senior Credit Risk Analyst, Collections in Bradford employer: Vanquis
Contact Detail:
Vanquis Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Risk Analyst, Collections in Bradford
✨Tip Number 1
Network like a pro! Reach out to current or former employees at Vanquis on LinkedIn. A friendly chat can give you insider info and might just get your foot in the door.
✨Tip Number 2
Prepare for the interview by diving deep into the company culture. Understand their values and how they align with your own. This will help you show that you're not just a fit for the role, but for the team too!
✨Tip Number 3
Show off your analytical skills during the interview! Be ready to discuss specific examples of how you've used data to drive decisions in previous roles. This is your chance to shine as a Senior Credit Risk Analyst.
✨Tip Number 4
Don’t forget to follow up after your interview! A quick thank-you email can keep you top of mind and shows your enthusiasm for the role. Plus, it’s a great way to reiterate why you’re the perfect fit!
We think you need these skills to ace Senior Credit Risk Analyst, Collections in Bradford
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 credit risk and collections, and don’t forget to showcase those exceptional quantitative skills we’re looking for!
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 your background aligns with our values at Vanquis. Be authentic and let your personality come through.
Showcase Your Analytical Skills: In your application, be sure to highlight specific examples of your analytical work. Whether it’s coding with SAS, SQL, or Python, or optimising strategies, we want to see how you’ve made an impact in previous roles.
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way to ensure your application gets the attention it deserves. Plus, you’ll find all the details you need about the role and our amazing benefits!
How to prepare for a job interview at Vanquis
✨Know Your Numbers
As a Senior Credit Risk Analyst, you'll be expected to have a solid grasp of quantitative skills. Brush up on your credit analytics and be ready to discuss specific examples where you've used data to drive decisions. Prepare to explain how you’ve optimised strategies in previous roles.
✨Showcase Your Coding Skills
Familiarity with SAS, SQL, or Python is crucial for this role. Be prepared to talk about your coding experience and how you've applied it in real-world scenarios. Maybe even bring along a small project or example that highlights your technical prowess.
✨Emphasise Collaboration
Vanquis values teamwork and collaboration. Think of instances where you've worked closely with others to achieve a common goal, especially in a collections or credit risk environment. Highlight how you communicate effectively and influence decisions within a team.
✨Be Curious and Innovative
The role requires a mindset that challenges the status quo. Prepare to discuss how you've approached problems creatively in the past. Bring ideas on how you could contribute to their test-and-learn initiatives and improve decision-making frameworks.
