Credit Risk Analyst

Location: London or Bradford.Occasional travel to other offices may be required. Working Pattern: Hybridtypically 1 day a week in the office. 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 holiday up to 30 days (depending on service) Pension: We know it is important to save for the future, that is why we will contribute up to 10% Maternity/Paternity: We realise that family time is important, we offer enhanced maternity (after successful completion of probation) and 4 weeks paternity leave Volunteering: 2 paid days to give back to the charity of your choice Development: LinkedIn Learning for all Finance: Snoop Premium available to all colleagues Medical: Opportunity to opt in for Private Medical Insurance Bonus: Discretionary annual bonus The Role: As our Credit Risk Analyst will use data driven insights to develop, implement and optimise Acquisition Strategies for VBG. You will identify, assess, document, escalate and report the key risks associated with the function and ensure appropriate control within governance and risk frameworks aligned to best practice and regulatory obligations. Support the delivery of analytical / data driven projects Contribute to the workflow or process changes and form an understanding of different products and processes Gather and define the requirements for creating insights and delivering it as a coherent story to management Utilise knowledge and commercial awareness to provide support and oversight on credit reporting, ensuring the process is fully documented Define requirements for data infrastructure to support business reporting needs Support the creation of regular management information reports Develop visual reports, KPIs and dashboards using the available platforms (Power BI / Excel) Knowledge and expertise: Exceptional quantitative skills, with exposure to credit analytics Understanding of consumer credit, preferably in the sub prime or online lending sector Understanding of corporate governance frameworks Proven ability to plan and organise work effectively and prioritise deadlines whilst working at pace What will make you stand out: Ability to present complex problems Excellent communication skills with the ability to influence, negotiate and constructively challenge Ability to operate independently and objectively Clear, logical and analytical approach to problem solving. Attention to detail / accuracy focussed Degree or equivalent experience in a highly numerate and analytical subject Demonstratable experience of data, reporting and analytics within a Credit risk or similar team The interview process: Up to 30minute telephone call with a member of the Talent Acquisition team Up to 60 mins with the hiring team Competency based Final interview with Head of Credit Risk 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 lifes opportunities. Established in 1880, were now a FTSE All Share company and leading specialist bank. We lend responsibly, providing tailored products and services to over 1.75 million UK customers. 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. Were about more than financial rewards though. We give everyone a voice in the business and room to be their authentic self. And we know youre here to build your career, so we help every colleague with training and development opportunities. Making sure theres always something new to learn. Vanquis Bank is an Equal Opportunity Employer : Here at Vanquis Banking Group, we embrace everyones unique strengths and identities to be themselves at work. Regardless of how you identify yourself, your sexual orientation, martial or civil partner status, race, colour, nationality, ethnic or national background, faith, disability, or age your experiences and background help enrich our teams, and most importantly help support our customers in the best way possible. At the end of the day, it's our people that help us to fulfil the reason why were here in the first place: to help put people on a path to a better everyday life. ADZN1_UKTJ

Location: South East London, GB

Posted Date: 1/17/2025