Senior Credit Risk Analyst, Existing Customer Strategies

Overview

The Vacancy

Senior Credit Risk Analyst, Existing Customer Strategies

Contract Type: Permanent Full Time

Location: Bradford, London or Petersfield

Working Pattern: Hybrid-typically a couple of days a week in the office. Part-time or flexible arrangements are considered to support work-life balance.

The Role

We're looking for a highly analytical and driven Senior Credit Risk Analyst to join our team, focusing on optimising Existing Customer Management strategies. In this role, you'll leverage data-driven insights to enhance lending decisions, balance risk and reward, and support business growth through robust credit strategies. You'll lead complex analytical projects, deliver actionable recommendations, and work closely with cross-functional teams to ensure alignment and effectiveness. If you're passionate about consumer credit, thrive on problem-solving, and want to play a key role in driving strategic impact, we'd love to hear from you.

You and Your Team

You'll be joining a high-performing and collaborative Credit Risk team that sits at the heart of customer decisioning. We are a data-led, insight-driven function focused on optimising strategies that balance risk, reward, and responsible lending. The team is passionate about continuous improvement, innovation, and making a real impact on business performance and customer outcomes. This role reports into the Credit Risk Manager and you'll work closely with senior stakeholders across Credit Risk, Product, Finance, and Operations to ensure our strategies are both effective and aligned with wider business goals.

As a Senior Credit Risk Analyst, you will:

• Develop expert understanding of the customer management lifecycle, including all aspects of decisioning and customer touch points
• Support the optimisation of lending decisions through test and learn initiatives to identify champion strategies
• Support business growth and portfolio profitability while ensuring a balance between risk, reward and responsible lending, and controlling credit quality and performance
• Ensure lending decisions are accurate and appropriate through close tracking and monitoring
• Perform inquisitive and innovative analysis and provide logical recommendations resulting in customer and/or business benefits
• Deliver complex analytical/data driven projects fully incorporating Customer and business implications throughout
• Support the automation of MI and processes to maximise integration, effectiveness and efficiency

What We're Looking For

• 2 years+ experience in an analytical role within a Credit Risk environment
• Experience of strategy optimisation or scorecard cut-off setting
• Excellent communication skills, written and verbal
• Coding skills with SAS/SQL/Python or similar software
• Experience working to a high level of detail and accuracy
• Proven ability to effectively plan and organise work, prioritise deadlines whilst working at a fast pace
• Knowledge of Retail Consumer Lending products such as Credit cards, Loans, Overdrafts or Mortgages

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

What We Offer

• Holidays: 25 days of annual leave (rising to 30 with service), and tailor your time off by buying or selling up to 5 extra days. Flexible bank holiday policy allows swapping up to 4 days.
• Pension: Up to 10% employer contributions
• Enhanced Leave: Enhanced maternity (post-probation) and 4 weeks paternity leave to paid neonatal and carers leave
• Workations: Work abroad for up to 20 days a year in approved countries
• Paid Birthday Leave: Take the day off for your birthday
• Volunteering: 2 paid days a year to volunteer
• Learning & Development: Access to Learning for all colleagues
• Financial Wellbeing: Free Snoop Premium subscription
• Healthcare: Denplan for dental care and Private Medical Insurance options

Equal Opportunities

Vanquis Bank is an Equal Opportunity Employer. We embrace everyone's unique strengths and identities. No matter your background, identity, or experience, you are welcome here. We believe diversity enriches our teams and helps us better support our customers.

If there's anything we can do to support you during the recruitment process, please contact us at .