Senior Credit Risk Analyst, Collections

Net-Worx (2001) Ltd; Greater London; Hybrid; GBP 50,000 - 70,000; Full time

Job summary

A leading company is seeking a Senior Credit Risk Analyst to enhance their Collections team. This role involves optimizing decision-making strategies and implementing innovative credit risk management techniques. The ideal candidate will possess strong analytical and coding skills, with a focus on data-driven decision making. Flexible working arrangements are available to ensure work-life balance.

Benefits

25 days holiday up to 30 days

Pension contribution up to 10%

Enhanced maternity and paternity leave

Workations

2 paid volunteering days

LinkedIn Learning

Private Medical Insurance

Discretionary annual bonus

Qualifications

• Experience in an analytical role within a collections or Credit Risk environment.
• Exceptional quantitative skills including credit analytics.
• Coding skills with SAS/SQL/Python or similar software.

Responsibilities

• Drive the optimisation of Collections decisions through test and learn initiatives.
• Evaluate the quality of the data and communicate any issues.
• Support research into the adoption of new credit risk tools.

Skills

Analytical

Quantitative Skills

Communication

Tools

SAS

SQL

Python

Job description

Senior Credit Risk Analyst - Collections

Location

The Vacancy

Senior Credit Risk Analyst, Collections

Location: Bradford, Petersfield or London

Working Pattern: Hybrid—typically a couple of days a week in the office. Flexible arrangements are considered to support 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.

What We Offer:

• Holidays: 25 days holiday up to 30 days (depending on service)
• Pension: We know it is important to save for the future, that is why we will contribute up to 10%
• Maternity/Paternity: We realise that family time is important, we offer enhanced maternity (after successful completion of probation) and 4 weeks paternity leave
• Workations: opportunity to work abroad 20 days a year (approved list of countries) enabling you to visit family and friends or extend your trip
• Volunteering: 2 paid days to ‘give back’ to the charity of your choice
• Development: LinkedIn Learning for all
• Finance: Snoop Premium available to all colleagues
• Opportunities to connect: via quarterly socials, in-person and virtual company updates
• Medical: Opportunity to opt in for Private Medical Insurance
• Bonus: Discretionary annual bonus

Role & Team:

We're on the lookout for a Senior Credit Risk Analyst to join our forward-thinking Collections team, playing a key role in transforming our strategies across Credit Cards and Vehicle Finance. This is an exciting opportunity to work at the crossroads of data science and business strategy, where you’ll lead test-and-learn initiatives, refine decision-making frameworks, and shape the future of credit risk management.

As a Senior Credit Risk Analyst, you will:

• Drive the optimisation of Collections decisions through test and learn initiatives to identify champion strategies.
• Evaluate the quality of the data, and communicate any issues with interpretation of subsequent analyses
• Support research into the adoption of new credit risk tools, data sources, regulatory change and technical developments.
• Evaluate the business impact of proposed new strategy developments to tie back cost and benefit to the P&L.
• Support the regular reporting and monitoring required ensuring that all strategies are performing, and movements are understood.
• Support the wider existing customer team where strategies overlap and on occasion where priority necessitates.
• Perform inquisitive and innovative analysis and provide logical recommendations resulting in customer and /or business benefits.
• Responsible for automating and streamlining processes to maximise integration, effectiveness and efficiency.

What We’re Looking For:

• Experience in an analytical role, within a collections or Credit Risk environment.
• Experience with decisioning systems
• Exceptional quantitative skills including credit analytics
• Coding skills with SAS/SQL/Python or similar software.
• Experience in Credit Analytics.
• Good influencing and communication skills.
• Challenges conventional approaches.
• Experience of strategy optimisation.

Offers are subject to satisfactory background checks, including credit, fraud, and employment references.

Who We Are:

At Vanquis, we have a simple purpose: to deliver caring banking so our customers can make the most of life’s opportunities. Established in 1880, we’re now a FTSE All Share company and leading specialist bank. We lend responsibly, providing tailored products and services to over 1.69 million UK customers.

Vanquis has been named one of the Financial Times UK’s Best Employers 2025, ranking in the top 50 nationwide and seventh in Banking and Financial Services. This recognition is based on independent employee feedback, reflecting our strong workplace culture, career growth opportunities, and commitment to our people. Our dedication to making a real difference for customers and supporting our colleagues remains at the heart of what we do.

We take care of our colleagues as well as our customers, working hard to create a rewarding and supportive work environment. That means competitive salaries, benefits, and a Group-wide recognition scheme. Everyone can enrol in our pension and after six months, you can join our ‘Buy as You Earn’ scheme.

We’re about more than financial rewards though. We give everyone a voice in the business and room to be their authentic self. And we know you’re here to build your career, so we help every colleague with training and development opportunities. Making sure there’s always something new to learn.

Vanquis Bank is an Equal Opportunity Employer

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.

If there’s anything we can do in the recruitment process to help you achieve your best, get in touch. Whether it’s a copy of our application form in another format or additional assistance, we’re available to help. You can contact us [e-mail]

The Company

At Vanquis, we’ve been empowering lives since 1880. As a FTSE All Share company and leading specialist bank, we lend responsibly to over 1.69 million UK customers.

We’re just as committed to our colleagues as we are to our customers, offering competitive salaries, comprehensive benefits, and recognition schemes. With pension plans, our ‘Buy as You Earn’ scheme, and ongoing training opportunities, we create a supportive environment where you can grow and thrive.

Bring your authentic self, find your voice, and build your career with us—because at Vanquis, we believe in making the most of life’s opportunities.

The Benefits

Competitive base salary and rewards

Private Medical Insurance

25 days holiday entitlement

one day accrued for each year of service (max 30 days)

Defined contribution pension scheme

Discretionary bonus scheme

Perks at Work

2 paid days to support a charity of your choice

Flexible, hybrid, & dynamic working policies