Lead Analyst, Portfolio Analytics and Forecasting

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

This is an exciting opportunity to play a pivotal role in shaping and strengthening our portfolios through high‑quality reporting, forecasting, and insight generation. You’ll lead the development, implementation, and optimisation of advanced forecasting models that support accurate predictions for 2nd Charge Mortgages, as well as leveraging capability from other portfolios including Credit Cards and Vehicle Finance. Through deep‑dive analysis, variance tracking, and exploration of new data sources, you’ll surface risks, opportunities, and trends that directly inform business strategy and enable responsible, profitable growth. Your work will deliver actionable insight into how portfolio and strategy changes impact performance, ensuring decision‑makers have the intelligence they need to balance risk and reward while keeping customers at the heart of every choice.

You and your Team

You’ll be joining a collaborative and high‑performing environment, working closely with the Portfolio Analytics & Forecasting Manager and Credit Risk Strategy Managers to elevate our forecasting capability and support strategic decision‑making. This is a team that values knowledge‑sharing, analytical curiosity, and continuous improvement. Offering a great opportunity to build and shape a portfolio profiling and reporting capability that genuinely influences the direction of the business.

As a Lead Analyst, Portfolio and Forecasting you will:

• Analyse portfolio data and variances to forecasts and lead on discussions and challenges that help inform the development of policy, scorecards, and strategies.
• Perform in‑depth reviews of customer performance to generate meaningful insight and strategic recommendations for credit strategy updates, while also investigating and developing new data sources to strengthen analysis and support more informed decision‑making.
• Design and implement forecasting models for key portfolios to predict trends, risks, and opportunities.
• Ensure the models are accurate, up‑to‑date, and tailored to evolving business needs.
• Use statistical models and advanced data analytics techniques to deliver actionable insights into portfolio performance, risk exposure and credit quality, presenting clear findings and recommendations to senior management and key stakeholders to inform strategic decisions and drive performance improvements.
• Regularly track and assess portfolio performance, using forecasting data to inform operational strategies and adjust forecasts where necessary.
• Work cross‑functionally with teams in risk management, finance, product development, and operations to align forecasting efforts with business goals.
• Be ‘customer‑obsessed’ and have the appetite to understand our customers, how they behave, and provide insight that helps the business make decisions that positively impact the customer.
• Ensure compliance with policies, procedures and external regulatory frameworks and ensure that the principles of responsible lending are upheld in line with the Group’s Responsible Lending Policy.

What We’re Looking For

• 3+ years’ experience in forecasting, portfolio analysis, or a related field within the consumer credit industry.
• Experience of retail credit risk is essential, with 1st or 2nd charge mortgages portfolio experience preferred.
• Experience in or understanding of IFRS9 impairments is highly beneficial.
• Experience in developing, validating or monitoring Credit Models (impairment, stress testing, forecasting) is desirable.
• Strong background using advanced analytics tools (e.g., SAS, SQL, R, Python).
• Proven ability to lead and mentor an analytical team, fostering development, prioritising workloads, and providing clear strategic guidance.
• Expertise in converting complex data into business insights, and the ability to communicate findings effectively to non‑technical stakeholders.
• Strong attention to detail and a passion for accuracy in forecasting and performance monitoring.

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. 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.