Analyst, Responsible Lending and Open Banking
Vanquis Bank, North Southwark, Southwark
Analyst, Responsible Lending and Open Banking
Salary Not Specified
Vanquis Bank, North Southwark, Southwark
- Full time
- Permanent
- Remote working
Posted 2 weeks ago, 7 Jul | Get your application in now before you miss out!
Closing date: Closing date not specified
job Ref: 12d49740123049c5895f8742dd5cc63c
Full Job Description
- Workations: Work abroad for up to 20 days a year (approved countries)
- Volunteering: 2 paid days to support a charity of your choice
- Learning & Development: Access to LinkedIn Learning for all colleagues
- Financial Wellbeing: Free Snoop Premium subscription
- Connection & Culture: Quarterly socials, in-person and virtual company updates
- Healthcare: Option to join Private Medical Insurance
- Bonus: Discretionary annual bonus, Are you passionate about turning data into powerful business decisions? At Vanquis we're looking for a Senior Credit Risk Analyst to lead the charge in shaping the future of our New Business Origination Strategies. In this pivotal role, you'll harness data-driven insights to design, implement, and continuously refine strategies that drive smart, responsible growth. You'll become a subject matter expert in new business originations-diving deep into every aspect of decisioning and customer interaction. From the first touchpoint to final approval, your analytical expertise will ensure we strike the perfect balance between risk and opportunity. With a strong focus on regular reporting and performance monitoring, you'll ensure our risk strategies remain sharp, effective, and aligned with our business goals. If you're ready to make a measurable impact in a dynamic, data-rich environment, this is your opportunity to lead with insight and innovation. As a Senior Credit Risk Analyst, you will:
- Develop expert understanding of new business originations, including all aspects of decisioning and customer touch points.
- Regular reporting & monitoring to ensure risk strategies are effective.
- 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.
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.
- Experience working to a high level of detail and accuracy.
- Knowledge of Consumer Lending products such as Credit cards, Loans or vehicle finance. Offers are subject to satisfactory background checks, including credit, fraud, and employment references.
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. We see ourselves as the bank that's got your back. 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. 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. 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., 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. We are proud supporters of Women in Data®. Connect, engage and belong to the largest free female data community in the UK - visit: www.womenindata.co.uk to join our community.
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. 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.
Direct job link
https://www.jobs24.co.uk/job/analyst-responsible-lending-open-banking-125339983
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