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For Companies At a Glance
- Tasks: Shape and optimise customer management strategies using data-driven insights.
- Company: Join a forward-thinking bank that values your wellbeing and growth.
- Benefits: Enjoy 25+ days holiday, flexible work options, and birthday leave.
- Why this job: Make a real impact on lending decisions while balancing risk and reward.
- Qualifications: 3+ years in analytics with strong SQL and Python skills required.
- Other info: Work in a dynamic environment with opportunities for career advancement.
The predicted salary is between 55000 - 65000 £ per year.
Contract Type: Permanent | Full Time
Location: London, Bradford, Petersfield or Chatham
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
As a Senior Credit Risk Analyst you’ll play a critical role in shaping, delivering and optimising Existing Customer Management strategies for VBG through robust, data‑driven insight. You’ll develop deep expertise across the customer management lifecycle, understanding every aspect of decisioning and customer touchpoints. The role leads complex analytical projects that balance customer outcomes with commercial objectives, ensuring recommendations fully consider both business and customer implications. You’ll support the optimisation of lending decisions through structured test‑and‑learn initiatives, identifying champion strategies that drive growth while maintaining credit quality and responsible lending standards. With responsibility for accurate and appropriate decisioning.
As a Senior Credit Risk Analyst, you will:
- Develop expert understanding of the customer management lifecycle, including all aspects of decisioning and customer touch points.
- Support the optimisation of lending decisions through test and learn initiatives to identify champion strategies.
- Conduct detailed analytical work to interpret complex datasets, identifying opportunities for strategic improvement.
- Prepare clear, insight‑driven recommendations based on your analysis, with responsibility for developing proposals.
- 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
- Experience working within a credit cards portfolio is essential. Additional experience with structured lending products, such as vehicle finance, personal loans or mortgages is beneficial and will support broader portfolio insight.
- 3+ years’ experience in analytics, within a credit risk environment.
- Strong programming experience is essential, with proficiency in SQL and Python.
- Excellent communication skills, written and verbal.
- Experience working to a high level of detail and accuracy.
Offers are subject to standard background checks (credit, fraud and employment references).
Equal Opportunity Statement
Vanquis Bank is an Equal Opportunity Employer.
Senior Credit Risk Analyst, Credit Card Strategies in Bradford employer: Vanquis
Contact Detail:
Vanquis Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Risk Analyst, Credit Card Strategies in Bradford
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect on LinkedIn. We can’t stress enough how personal connections can open doors that applications alone can’t.
✨Tip Number 2
Prepare for interviews by practising common questions and scenarios related to credit risk analysis. We recommend doing mock interviews with friends or using online platforms to boost your confidence.
✨Tip Number 3
Showcase your analytical skills! Bring examples of your past work, especially those involving SQL and Python. We love seeing how you’ve tackled complex datasets and made impactful decisions.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we’re always looking for passionate candidates who align with our values.
We think you need these skills to ace Senior Credit Risk Analyst, Credit Card Strategies 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 with credit cards and any relevant analytical projects you've led. We want to see how your skills align with what 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 credit risk analysis and how you can contribute to our team. Keep it concise but impactful—show us your personality!
Showcase Your Analytical Skills: Since this role involves complex data analysis, make sure to highlight your programming skills in SQL and Python. Share specific examples of how you've used these tools to drive insights and improve decision-making.
Apply Through Our Website: We encourage you to apply through our website for a smoother application process. It helps us keep track of your application and ensures you don’t miss out on any important updates from us!
How to prepare for a job interview at Vanquis
✨Know Your Numbers
As a Senior Credit Risk Analyst, you'll be dealing with complex datasets. Brush up on your SQL and Python skills before the interview. Be ready to discuss specific examples of how you've used data analysis to drive business decisions in your previous roles.
✨Understand the Customer Lifecycle
Familiarise yourself with the customer management lifecycle, especially in credit cards. Prepare to explain how your insights have improved customer touchpoints or decisioning processes in past positions. This shows you understand the role's core responsibilities.
✨Prepare Insight-Driven Recommendations
Think about a few analytical projects you've led that resulted in significant improvements. Be ready to present these during the interview, focusing on how your recommendations balanced risk and reward while maintaining credit quality.
✨Communicate Clearly
Excellent communication is key for this role. Practice explaining complex analytical concepts in simple terms. During the interview, aim to convey your thought process clearly, demonstrating your ability to make data-driven insights accessible to non-technical stakeholders.