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- Tasks: Lead data-driven strategies to optimise credit risk and support business growth.
- Company: Join Vanquis, a leading specialist bank with a strong commitment to responsible lending.
- Benefits: Enjoy flexible working, 25-30 days holiday, workations, and enhanced family leave.
- Why this job: Make a real impact in a dynamic environment while developing your analytical skills.
- Qualifications: 2+ years in an analytical role, preferably in Credit Risk, with excellent communication skills.
- Other info: Vanquis values diversity and offers a supportive workplace culture.
The predicted salary is between 36000 - 60000 £ per year.
Senior Credit Risk Analyst, New Business Origination Strategies
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Senior Credit Risk Analyst, New Business Origination Strategies
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Senior Credit Risk Analyst, New Business Origination Strategies
Contract Type: Permanent | Full Time
Location: Bradford, London or Petersfield. Occasional travel to other offices may be required.
Working Pattern: Hybrid—typically a couple of days a week in the office. Part-time or flexible arrangements are considered to support work-life balance. A fear of losing your current working flexibility shouldn\’t hinder you from applying for new opportunities, which is why we aim to match your existing flexible working arrangements where possible.
What We Offer
- Holidays: 25 days, increasing to 30 days with service
- Pension: Up to 10% employer contribution
- Family Leave: Enhanced maternity (post-probation) and 4 weeks paternity leave
- Workations: Work abroad for up to 20 days a year (approved countries)
- Volunteering: 2 paid days to support a charity of your choice
- Learning & Development: Access to LinkedIn Learning for all colleagues
- Financial Wellbeing: Free Snoop Premium subscription
- Connection & Culture: Quarterly socials, in-person and virtual company updates
- Healthcare: Option to join Private Medical Insurance
- Bonus: Discretionary annual bonus
The Role
Are you passionate about turning data into powerful business decisions? At VBG, we’re looking for a Senior Credit Risk Analyst to lead the charge in shaping the future of our New Business Origination Strategies. In this pivotal role, you’ll harness data-driven insights to design, implement, and continuously refine strategies that drive smart, responsible growth.
You’ll become a subject matter expert in new business originations—diving deep into every aspect of decisioning and customer interaction. From the first touchpoint to final approval, your analytical expertise will ensure we strike the perfect balance between risk and opportunity.
With a strong focus on regular reporting and performance monitoring, you’ll ensure our risk strategies remain sharp, effective, and aligned with our business goals. If you\’re ready to make a measurable impact in a dynamic, data-rich environment, this is your opportunity to lead with insight and innovation.
As a Senior 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
- 2+ 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.
Offers are subject to satisfactory background checks, including credit, fraud, and employment references.
Who we are
At Vanquis, we have a simple purpose: to deliver caring banking so our customers can make the most of life’s opportunities. Established in 1880, we’re now a FTSE All Share company and leading specialist bank. We lend responsibly, providing tailored products and services to over 1.69 million UK customers. We see ourselves as the bank that’s got your back.
Vanquis has been named one of the Financial Times UK’s Best Employers 2025, ranking in the top 50 nationwide and seventh in Banking and Financial Services. This recognition is based on independent employee feedback, reflecting our strong workplace culture, career growth opportunities, and commitment to our people.
We take care of our colleagues as well as our customers, working hard to create a rewarding and supportive work environment. That means competitive salaries, benefits, and a Group-wide recognition scheme. Everyone can enrol in our pension and after six months, you can join our ‘Buy as You Earn’ scheme.
We’re about more than financial rewards though. We give everyone a voice in the business and room to be their authentic self. And we know you’re here to build your career, so we help every colleague with training and development opportunities. Making sure there’s always something new to learn.
Vanquis Bank is an Equal Opportunity Employer. We embrace everyone’s unique strengths and identities. No matter your background, identity, or experience, you are welcome here. We believe diversity enriches our teams and helps us better support our customers.
If there’s anything we can do to support you during the recruitment process—whether that’s a different format of the application or additional assistance—please contact us at careers@vanquis.com.
Seniority level
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Seniority level
Associate
Employment type
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Employment type
Full-time
Job function
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Job function
Analyst
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Industries
Financial Services and Banking
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Senior Credit Risk Analyst, New Business Origination Strategies employer: Vanquis
Contact Detail:
Vanquis Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Risk Analyst, New Business Origination Strategies
✨Tip Number 1
Familiarise yourself with the latest trends in credit risk analysis and new business origination strategies. This will not only help you understand the role better but also allow you to engage in meaningful conversations during interviews.
✨Tip Number 2
Network with professionals in the financial services sector, especially those who work in credit risk. Attend industry events or join relevant online forums to build connections that could lead to referrals or insider information about the role.
✨Tip Number 3
Prepare to discuss specific examples of how you've used data-driven insights to influence business decisions in your previous roles. Highlighting your analytical skills and their impact on business growth will make you stand out.
✨Tip Number 4
Research Vanquis Bank's values and culture thoroughly. Understanding their commitment to responsible lending and customer care will help you align your answers with their mission during the interview process.
We think you need these skills to ace Senior Credit Risk Analyst, New Business Origination Strategies
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in credit risk analysis and data-driven decision-making. Use keywords from the job description to demonstrate that you meet the specific requirements of the Senior Credit Risk Analyst role.
Craft a Compelling Cover Letter: In your cover letter, express your passion for data analysis and how it can drive business decisions. Mention specific examples of past projects where you've successfully optimised strategies or improved lending decisions.
Showcase Analytical Skills: Provide concrete examples of your analytical skills in your application. Discuss any experience with strategy optimisation, scorecard cut-off setting, or performance monitoring that aligns with the responsibilities outlined in the job description.
Highlight Communication Abilities: Since excellent communication skills are essential for this role, include examples of how you've effectively communicated complex data insights to stakeholders in previous positions. This will show that you can bridge the gap between data analysis and business strategy.
How to prepare for a job interview at Vanquis
✨Understand the Role Thoroughly
Before your interview, make sure you have a solid grasp of what a Senior Credit Risk Analyst does, especially in the context of New Business Origination Strategies. Familiarise yourself with key responsibilities such as data analysis, risk assessment, and strategy optimisation.
✨Prepare for Technical Questions
Expect to be asked about your experience with credit risk analysis and strategy optimisation. Brush up on relevant concepts, tools, and methodologies that are commonly used in the industry. Be ready to discuss specific projects or analyses you've conducted in the past.
✨Showcase Your Communication Skills
As this role requires excellent communication skills, practice articulating complex analytical concepts in a clear and concise manner. Be prepared to explain how you would present your findings to stakeholders who may not have a technical background.
✨Demonstrate Your Problem-Solving Ability
Be ready to discuss how you've approached challenges in previous roles. Use the STAR method (Situation, Task, Action, Result) to structure your answers, highlighting your analytical thinking and innovative solutions in credit risk scenarios.