Lead Credit Risk Analyst

Lead Credit Risk Analyst

Location: Petersfield, Bradford, Chatham, London

Salary:
Closing Date: Thursday 23 January 2025

Contract Type: Permanent | Full-time
Working Pattern: Hybrid - typically 1 day a week in the office. Flexible arrangements are considered to support work-life balance.

What We Offer:

• Holidays: 25 days holiday up to 30 days (depending on service)
• Pension: We contribute up to 10%
• Maternity/Paternity: Enhanced maternity and 4 weeks paternity leave
• Volunteering: 2 paid days to give back to charity
• 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 a Lead Credit Risk Analyst, you will report to the Credit Risk Manager and drive significant change through analytical projects.

In your day-to-day role, you will:

• Develop expert understanding of the customer management lifecycle.
• Drive optimization of lending decisions through test and learn initiatives.
• Investigate and develop new data sources for analysis.
• Support business growth and portfolio profitability while balancing risk.
• Ensure lending decisions are accurate through tracking and monitoring.
• Perform innovative analysis and provide logical recommendations.
• Deliver complex analytical projects, considering customer and business implications.
• Automate and streamline processes for effectiveness.
• Provide insight through targeted analysis and regular MI development.
• Lead projects, engaging stakeholders and ensuring compliance with risk management frameworks.

What will make you stand out?
Essential:

• Minimum of 5 years' experience in an analytical/programming role
• Advanced knowledge of coding in SAS and SQL
• Clear, logical, and analytical problem-solving approach
• Strong attention to detail
• Expert knowledge of Excel with proficiency in formulae & VB Macros
• Experience in creating insights from source data
• Good knowledge of data compliance regulations
• Very good risk management skills
• Good knowledge of Finance terminology and regulatory awareness

Desirable:

• Knowledge of programming/analytical tools such as R, Python, Hadoop, Tableau
• Experience in analytics related to customer value management
• Good understanding of credit card mechanics
• Knowledge of Credit Risk related to Credit Cards
• Knowledge of Credit Decisioning systems
• Understanding of customer journeys and decision strategies

The interview process:

1. 30-minute call with Talent Acquisition.
2. 1 Hour Teams interview with the hiring team.
3. Final interview with Head of Credit Risk.

Who We Are:
At Vanquis, we aim to deliver caring banking for our customers. Established in 1880, we are a leading specialist bank serving over 1.75 million UK customers. We focus on a rewarding work environment with competitive salaries and benefits.

Vanquis Bank is an Equal Opportunity Employer:
We embrace everyone's unique strengths and identities. Your experiences and background help enrich our teams and support our customers. If you need assistance during the recruitment process, please contact us at careers@vanquis.com.