Lead Analyst, Credit Risk Cards Originations

Contract Type: Permanent | Full Time

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
• 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

Are you passionate about turning data into powerful business decisions? At Vanquis, we’re looking for a Lead Credit Risk Analyst to shape the future of our New Business Strategies. You’ll focus primarily on our Credit Cards portfolio, developing and enhancing our origination strategies and reporting. In this key role, you’ll use data‑driven insight to design, implement and refine originations strategies that balance risk and opportunity. You’ll dive deep into customer decisioning across multiple products, becoming a subject matter expert in how we assess applications and support responsible growth. With a strong emphasis on reporting and performance monitoring, you’ll ensure our strategies stay sharp, effective and aligned with business goals. If you’re ready to make a measurable impact across diverse portfolios in a dynamic, data‑rich environment, this role is your opportunity to lead with insight and innovation.

As a Lead Credit Risk Analyst, You Will

• Develop expert understanding of new business originations, including all aspects of decisioning and customer touch points.
• Regular reporting & monitoring to ensure risk strategies are effective.
• Support the optimisation of lending decisions through test and learn initiatives to identify champion strategies.
• 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

• 5+ years’ experience in an analytical role, within a Credit Risk environment.
• Experience of strategy optimisation or scorecard cut‑off setting.
• Excellent communication skills, written and verbal.
• Experience working to a high level of detail and accuracy.
• Knowledge of Consumer Lending products such as Credit cards, Loans or Vehicle Finance.
• Confidently present analysis, recommendations, and strategic insights to senior stakeholders and governance forums, ensuring complex information is communicated clearly and effectively.
• Lead end‑to‑end delivery of analytical projects while providing guidance, coaching and mentorship to junior analysts to support their development and high‑quality output.

Offers are subject to standard background checks (credit, fraud and employment references).

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.