Credit Risk Analyst

TN United Kingdom; Chatham; Hybrid; GBP 40,000 - 70,000; Full time

Job summary

An established industry player is seeking a Credit Risk Analyst to leverage data-driven insights for optimizing acquisition strategies. This role involves supporting analytical projects, improving workflows, and creating management reports using tools like Power BI and Excel. The company promotes a hybrid working model, allowing for flexibility while fostering collaboration. With a commitment to responsible lending and a supportive workplace, this opportunity is perfect for those passionate about credit analytics and eager to contribute to an inclusive environment.

Benefits

Discretionary Annual Bonus

25 Days Holiday

Pension Scheme with Matched Contributions

Paid Day to ‘Give Back’

LinkedIn Learning Access

Qualifications

• Strong quantitative skills with credit analytics experience.
• Knowledge of corporate governance frameworks.

Responsibilities

• Support analytical and data-driven projects.
• Create management information reports and visual dashboards.

Skills

Quantitative Skills

Credit Analytics Experience

Understanding of Consumer Credit

Planning and Prioritization Skills

Education

Degree in Numerate Subject

Tools

Power BI

Excel

Job description

The job description provides comprehensive information about the role, location, benefits, requirements, and company values. However, the formatting can be improved for better readability by organizing sections with appropriate headings and removing redundant or repetitive information. Also, some content could be condensed to focus more on the essentials, enhancing clarity and conciseness.

Here's a refined version with improved structure and clarity:

Job Title: Credit Risk Analyst

Location: London, Bradford, Chatham, or Petersfield (occasional travel to other offices required)

Closing Date: Monday 11 November 2024

Working Pattern:

Hybrid working style, with 1 to 3 days per week in the office to facilitate collaboration.

Benefits:

• Discretionary annual bonus
• 25 days holiday, up to 30 days depending on service
• Pension scheme with matched contributions up to 10%
• One paid day to ‘give back’
• LinkedIn Learning access for all employees

We encourage applications even if you don’t meet all criteria; your unique strengths and willingness to learn are valuable.

Role Overview:

The Credit Risk Analyst will leverage data-driven insights to develop, implement, and optimize acquisition strategies for VBG.

Key Responsibilities:

• Support analytical and data-driven projects
• Contribute to workflow and process improvements
• Gather and define requirements for insights and storytelling to management
• Support credit reporting processes, ensuring documentation
• Define data infrastructure needs for reporting
• Create management information reports, visual dashboards (Power BI/Excel)

Required Knowledge & Skills:

• Strong quantitative skills with credit analytics experience
• Understanding of consumer credit, especially in subprime or online lending sectors
• Knowledge of corporate governance frameworks
• Effective planning and prioritization skills in a fast-paced environment

Preferred Attributes:

• Ability to present complex problems clearly
• Excellent communication, negotiation, and influencing skills
• Independent and objective working style
• Logical, analytical problem-solving approach
• Attention to detail and accuracy
• Degree or equivalent in a numerate/analytical subject
• Experience in credit risk reporting and analytics

Interview Process:

• Initial 30-minute phone interview with Talent Acquisition
• Up to 60-minute competency interview with the hiring team
• Final interview with Head of Credit Risk, Daniel Betts

Note: The process typically takes up to 4 weeks, with flexibility to accommodate your availability. Background checks are required for offer acceptance.

Work Flexibility & Company Values:

We support part-time and flexible working arrangements to help balance your commitments. Vanquis Banking Group, established in 1880, is committed to responsible lending and creating an engaging, supportive workplace. We value diversity and inclusion, welcoming everyone to apply regardless of background or identity.