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For Companies At a Glance
- Tasks: Shape and optimise customer management strategies using data-driven insights.
- Company: Join Vanquis, a caring bank with a strong commitment to its employees.
- Benefits: Enjoy 25+ days holiday, workations, birthday leave, and enhanced parental leave.
- Other info: Be part of a supportive workplace that values diversity and personal growth.
- Why this job: Make a real impact on lending decisions while balancing risk and reward.
- Qualifications: 3+ years in analytics, credit card experience, and strong SQL/Python skills required.
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.
- 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 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.
- 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).
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. 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.
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.
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Senior Credit Risk Analyst, Credit Card Strategies in Chatham 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 Chatham
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect on LinkedIn. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨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 that highlight your experience with SQL and Python. This will help you stand out as a candidate who can deliver data-driven insights.
✨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 you’re genuinely interested in joining our team at Vanquis.
We think you need these skills to ace Senior Credit Risk Analyst, Credit Card Strategies in Chatham
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 our needs!
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, be sure to include specific examples of your programming experience in SQL and Python. We love seeing how you've used these skills to drive business outcomes in the past.
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it’s super easy—just follow the prompts!
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 to drive decisions in previous roles.
✨Understand the Customer Lifecycle
Familiarise yourself with the customer management lifecycle and be prepared to talk about how you’ve optimised lending decisions in the past. Think of specific strategies you've implemented that balanced customer outcomes with commercial objectives.
✨Communicate Clearly
Excellent communication is key for this role. Practice explaining your analytical findings in simple terms. You might be asked to present a complex idea, so ensure you can convey your insights clearly and effectively.
✨Show Your Problem-Solving Skills
Be ready to discuss how you've tackled challenges in previous projects. Prepare examples where your innovative analysis led to significant improvements in credit quality or business performance. Highlight your ability to think critically and provide logical recommendations.