Credit Risk Analyst

Vanquis Bank; Bradford; Hybrid; GBP 35,000 - 50,000; Full time

Job summary

Vanquis Bank is seeking a skilled Credit Risk Analyst to join their team in Bradford. The ideal candidate will utilize data-driven insights to optimize Acquisition Strategies, contributing to various analytical projects and managing data infrastructure. This hybrid role requires strong quantitative skills, knowledge of credit analytics, and proficiency in tools such as Power BI and Excel.

Benefits

Discretionary annual bonus

25 days holiday, up to 30 days with service

Pension scheme with matched contributions

1 paid day to ‘give back’

LinkedIn Learning for all

Qualifications

• Exceptional quantitative skills with exposure to credit analytics.
• Degree or equivalent experience in a highly numerate and analytical subject.
• Demonstrable experience of data, reporting and analytics within a Credit risk or similar team.

Responsibilities

• Support the delivery of analytical/data driven projects.
• Gather and define the requirements for insights delivery.
• Develop visual reports, KPIs and dashboards.

Skills

Quantitative skills

Communication skills

Attention to detail

Problem-solving

Education

Degree in a highly numerate and analytical subject

Tools

Power BI

Excel

Job description

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Location: London/Bradford/Petersfield/Chatham

Closing Date: Monday 11 November 2024

Location: London, Bradford, Chatham or Petersfield

We are happy for you to be based in Bradford, Chatham or Petersfield but please note that occasional travel will be required to our other offices

Working Pattern: Our working style is hybrid, but we recognise the importance of collaborative working with our colleagues often 1 to 3 days per week in one of our offices

Benefits: Discretionary annual bonus, 25 days holiday up to 30 days (depending on service), pension scheme with matched company contributions up to 10%, 1 paid day to ‘give back’, LinkedIn Learning for all

Don’t hesitate to apply for a role even if you don’t meet all the criteria; your unique strengths and eagerness to learn can be just as valuable.

You and Your Team:

The Credit Risk Analyst will use data driven insights to develop, implement and optimise Acquisition Strategies for VBG

In your day-to-day role, as a Credit Risk Analyst you will:

• 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, KPI’s 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 Daniel Betts (Head of Credit Risk)

Our average process takes up to 4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team throughout the process.

As this role involves working within a regulated environment any offer will be subject to satisfactory background checks including criminal record check, credit check, fraud check and employment references.

Your working life: If you prefer to work part-time, we'll make this happen whenever we can - whether this is to help you meet other commitments or strike a great 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.

Why work for us?

We’reVanquis Banking Groupplc, an FTSE All Share company and a leading specialist bank, established in 1880.We lend responsibly, providing tailored products and services to 1.75 million UK customers through Vanquis, Moneybarn, and Snoop.Our purpose is simple:to deliver caring banking so our customers can make the most of life’s opportunities.

At Vanquis Banking Group we believe in looking after our colleagues, so we do our best to create a rewarding, engaging, and supportive work environment across our various divisions.

We let our colleagues know we appreciate their hard work by offering competitivesalaries, benefits, and a Group wide recognition scheme. All colleagues are eligible to join a pension scheme, and, after six months’ service, youcan join our ‘Save as you Earn’ and 'Buy as you Earn' schemes.

We offer a range of training and development opportunities to help each of our colleaguesmaximise their potential, whatever their role. From your first day working with us, we’ll help you settle into your new role and are happyto talk to you about your career aspirations.

Equal Opportunity Statement

Here at Vanquis Banking Group, we embrace everyone’s 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 we’re here in the first place: to help put people on a path to a better everyday life.