Credit Risk Analyst

Vanquis Bank; Petersfield; Hybrid; GBP 30,000 - 50,000; Full time

Job summary

A leading financial services company seeks a Credit Risk Analyst to optimize acquisition strategies through data insights. In this hybrid role, you'll support analytical projects, contribute to credit reporting, and develop management reports using tools like Power BI. A supportive work environment with strong growth opportunities awaits you at Vanquis Bank.

Benefits

Discretionary annual bonus

25 to 30 days holiday depending on service

Pension scheme with up to 10% matched contributions

Paid day to ‘give back’

LinkedIn Learning access

Qualifications

• Experience in credit analytics is preferred.
• Strong planning and prioritization skills.
• Ability to present complex problems clearly.

Responsibilities

• Support analytical and data-driven projects.
• Develop visual reports and KPIs using Power BI or Excel.
• Define data infrastructure requirements for reporting needs.

Skills

Quantitative skills

Communication

Analytical problem-solving

Education

Degree in a numerate and analytical field

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, with an expectation of 1 to 3 days per week in our offices for collaborative work.

Benefits: Discretionary annual bonus, 25 to 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 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 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 to create insights and communicate them effectively to management
• Support credit reporting processes, ensuring documentation is complete
• Define data infrastructure requirements for reporting needs
• Support creation of management information reports
• Develop visual reports, KPIs, and dashboards using Power BI or Excel

Knowledge and expertise:

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

What will make you stand out:

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

The interview process:

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

Our process typically takes up to 4 weeks, but we accommodate your availability and keep you informed throughout.

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

Your working life: We support part-time work arrangements to help balance commitments and maintain flexibility.

Why work for us?

We’re Vanquis Banking Group plc, a FTSE All Share company established in 1880, serving 1.75 million UK customers through Vanquis, Moneybarn, and Snoop. Our purpose is to deliver caring banking, helping customers make the most of life’s opportunities.

We foster a supportive work environment, offering competitive salaries, benefits, recognition schemes, pension schemes, and development opportunities. We are committed to your career growth from day one.

Equality and Diversity:

We celebrate diversity and are committed to creating an inclusive environment where everyone can thrive, regardless of background, identity, or beliefs. Your unique experiences help us serve our customers better and fulfill our mission to improve lives.