Senior Credit Risk Manager - Responsible Lending and Open Banking

Vanquis Bank; Chatham; Hybrid; GBP 60,000 - 80,000; Full time

Job summary

A leading banking group seeks a Senior Credit Risk Manager to drive innovation in responsible lending and open banking strategies. This hybrid role involves leading teams, optimizing profitability, and supporting business growth, all while managing risk and ensuring compliance with regulations. The ideal candidate will possess strong skills in lending strategies and data analytics, contributing to advancing the group's mission of serving underserved customers.

Benefits

Discretionary bonus

25-30 days holiday

Pension with up to 10% match

Paid days for community work

Enhanced maternity and paternity pay

LinkedIn Learning

Private Medical Insurance

Qualifications

• Experienced in responsible lending strategies and open banking data.
• Skilled in developing scorecards and affordability assessments.
• Knowledgeable of regulatory and macroeconomic environments.

Responsibilities

• Lead strategy development and influence cross-functional teams.
• Build and lead a team of high performers.
• Drive innovation in credit strategies and customer engagement.
• Support business growth while managing risk and responsible lending.

Skills

Responsible lending strategies

Open banking data

Scorecard development

Affordability assessments

Regulatory knowledge

Job description

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Senior Credit Risk Manager - Responsible Lending and Open Banking, Chatham

Location: Chatham, United Kingdom

Job Category: Other

EU work permit required: Yes

Job Reference:

101813c5e3ee

Job Views:

46

Posted:

24.06.2025

Expiry Date:

08.08.2025

Job Description:

Senior Credit Risk Manager - Responsible Lending and Open Banking

Locations: Petersfield, Bradford, Chatham, London

Working Pattern: Hybrid, with 1 to 3 days per week in offices

Benefits: Discretionary bonus, 25-30 days holiday, pension with up to 10% match, paid days for community work, enhanced maternity and paternity pay, LinkedIn Learning, Snoop Premium, Private Medical Insurance

Apply even if you don’t meet all criteria; your unique strengths and eagerness to learn are valued.

You and Your Team:

Reporting to the Head of Credit Risk Strategies, you will lead initiatives on alternative data sources for lending decisions, especially using open banking data to serve underserved customers and optimize profitability.

Key Responsibilities:

• Lead strategy development and influence cross-functional teams
• Build and lead a team of high performers
• Drive innovation in credit strategies and customer engagement
• Support business growth while managing risk and responsible lending

Ideal Candidate:

• Experienced in responsible lending strategies and open banking data
• Skilled in developing scorecards and affordability assessments
• Knowledgeable of regulatory and macroeconomic environments

Interview Process:

• Initial phone screen
• MS Teams interview with the hiring team
• Final interview with Credit Risk team

Process duration approx. 4 weeks, with flexible scheduling. Background checks required for offer.

Work Flexibility & Culture:

Part-time options available. We value diversity and aim to create a supportive environment that recognizes and rewards effort and potential.

About Us:

Vanquis Banking Group plc, established in 1880, is a responsible lender serving 1.75 million UK customers through various brands. We prioritize caring banking and colleague well-being.

Equal Opportunity:

We celebrate diversity and are committed to creating an inclusive environment for all employees and customers.