Lead Credit Risk Analyst

Job title:

Lead Credit Risk Analyst

Company

Vanquis Bank

Job description

Lead Credit Risk Analyst, Structured LendingLocation: Bradford, London, Chatham or PetersfieldWe are happy for you to be based in Bradford, London, Chatham or Petersfield but please note that occasional travel will be required to our other offices.Working Pattern: Our working style is hybrid, but we recognise the importance of collaborative working with our colleagues often 1 day per week in one of our officesBenefits: Discretionary annual bonus, 25 days holiday up to 30 days (depending on service), pension scheme with matched company contributions up to 10%, 2 paid days to ‘give back’, enhanced maternity pay (once successfully passing probation), 4 weeks paid paternity, LinkedIn Learning for all, Snoop Premium, Private Medical InsuranceDon’t hesitate to apply for a role even if you don’t meet all the criteria; your unique strengths and eagerness to learn can be just as valuable.You and Your Team:As a Lead Credit Risk Analyst, you will be reporting to the Credit Risk Manager – Structured Lending. Responsible for Driving the optimisation of lending decisions through test and learn initiatives to identify champion strategies, whilst ensuring lending decisions are accurate and appropriate through tracking and monitoring.In your day-to-day role, as a Lead Credit Risk Analyst, Structured Lending you will:Develop expert understanding of the customer management lifecycle, including all aspects of decisioning and customer touch points
Investigation and development of new data sources to be used for analysis and decisioning
Support business growth and portfolio profitability while ensuring a balance between risk, reward and responsible lending, and controlling credit quality and performance
Drive the optimisation of lending decisions through test and learn initiatives to identify champion strategies
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
Devise, initiate and deliver complex analytical/data driven projects fully incorporating Customer and business implications throughout
Define analytical project phases, success criteria and timescales and drive projects through to implementation, managing the full project from end to end
Oversee and peer-review team changes, mentor Analysts/Senior Analysts, direct daily work without formal management duties
Deputise for manager as and when requiredWhat will make you stand out?Experienced in consumer credit, preferably in a structured lending or online lending sector
Minimum of 5 years’ experience in analytical role
SAS, Python or SQL – Highly Proficient in either (Advanced)
Advanced level experience in decisioning systems
Experience in Credit Analytics
Experience of scorecard cut-off setting and strategy optimisation through decline rulesThe interview process:Up to 30minute telephone call with a member of the Talent Acquisition team
30 minute virtual interview with the hiring manager
Final 1-hour virtual interview with the hiring teamOur average process takes up to 4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team throughout the process.As this role involves working within a regulated environment any offer will be subject to satisfactory background checks including criminal record check, credit check, fraud check and employment references.Your working life: If you prefer to work part-time, we’ll make this happen whenever we can – whether this is to help you meet other commitments or strike a great 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.Why work for us?We’re Vanquis Banking Group plc, an FTSE All Share company and a leading specialist bank, established in 1880. We lend responsibly, providing tailored products and services to 1.75 million UK customers through Vanquis, Moneybarn, and Snoop. Our purpose is simple: to deliver caring banking so our customers can make the most of life’s opportunities.At Vanquis Banking Group we believe in looking after our colleagues, so we do our best to create a rewarding, engaging, and supportive work environment across our various divisions.We let our colleagues know we appreciate their hard work by offering competitive salaries, benefits, and a Group wide recognition scheme. All colleagues are eligible to join a pension scheme, and, after six months’ service, you can join our ‘Buy as you Earn’ schemes.We offer a range of training and development opportunities to help each of our colleagues maximise their potential, whatever their role. From your first day working with us, we’ll help you settle into your new role and are happy to talk to you about your career aspirations.Equal Opportunity StatementHere 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 at Talent.Acquisition@vanquis.com

Expected salary

Location

Petersfield, Hampshire – Chatham, Kent

Job date

Sat, 30 Nov 2024 23:38:40 GMT

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