Credit Risk Analyst

Vanquis Bank; London; Hybrid; GBP 35,000 - 55,000; Full time

Job summary

Join Vanquis Bank as a Credit Risk Analyst, where you will leverage your analytical skills to optimize acquisition strategies. You'll collaborate in a hybrid working environment, driving impactful data-driven projects while having the opportunity to grow in a diverse and supportive team.

Benefits

Discretionary annual bonus

25-30 days holiday (depending on service)

Pension scheme with up to 10% matched contributions

1 paid day to ‘give back’

LinkedIn Learning access

Qualifications

• Strong quantitative skills with experience in credit analytics.
• Understanding of consumer credit, especially in subprime sectors.
• Experience in data, reporting, and analytics within credit risk teams.

Responsibilities

• Support analytical and data-driven projects.
• Gather requirements for insights and report findings.
• Create management information reports and visual dashboards.

Skills

Quantitative skills

Credit analytics experience

Problem-solving

Communication skills

Attention to detail

Education

Degree in a numerate, analytical subject

Tools

Power BI

Excel

Job description

Social network you want to login/join with:

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, with 1 to 3 days per week in our offices to promote collaboration.

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

Don’t hesitate to apply even if you don’t meet all criteria; your unique strengths and eagerness to learn are 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 analytical and data-driven projects.
• Contribute to workflow or process improvements and understand different products and processes.
• Gather and define requirements for insights and communicate findings to management.
• Support credit reporting processes, ensuring full documentation.
• Define data infrastructure requirements for reporting needs.
• Create management information reports, visual dashboards, and KPIs using Power BI or Excel.

Knowledge and expertise:

• 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, organisation, and prioritisation skills.

What will make you stand out:

• Ability to present complex problems clearly.
• Excellent communication, influencing, and negotiation 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 data, reporting, and analytics within credit risk teams.

The interview process:

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

Our process takes up to 4 weeks but is flexible to your availability. You will speak with our recruitment team throughout.

As the role involves working in a regulated environment, offers are subject to background checks including criminal, credit, fraud, and employment references.

Your working life: We support flexible working arrangements to help you balance commitments or maintain your current flexibility.

Why work for us?

We’re Vanquis Banking Group, an FTSE All Share company, established in 1880, serving 1.75 million UK customers through Vanquis, Moneybarn, and Snoop. We focus on responsible lending and caring banking.

We value our colleagues and offer competitive salaries, benefits, recognition schemes, pension schemes, and development opportunities to help you grow your career.

Equal Opportunity Statement

We embrace diversity and inclusion, welcoming everyone regardless of identity, background, or circumstances. Your unique experiences help us serve our customers better and fulfill our mission to improve lives.