Lead Credit Risk Analyst - Credit Systems

As a Lead Credit Risk Analyst, you will be responsible for the design, documentation, and future maintenance of Credit Risk customer strategy within the context of the Credit Risk function, operating under the CRO.

You will be reporting into the Head of Credit Execution with potential line management responsibility as the function expands.

In your day-to-day role, as a Lead Credit Risk Analyst you will :

• Responsible for the robust implementation of Credit Risk strategies including, but not limited to, credit line increases, pricing, re-issue, authorisations, and applications processing


• Develop and embed a robust change process and culture in credit risk change management


• Run and optimise existing SAS processes during transition to new technologies


• Design and document customer strategy assuring these are in line with credit policy, regulations, and work to improve the customer journey


• Manage business change requests, gathering business requirements and translating these into technical specifications


• Lead the production and delivery of test plans and reports to validate successful build strategy before implementation into production regions


• Design, implement and manage a suite of management information to identify implementation errors and opportunities to enhance existing strategies
  
  Relevant Financial Services experience


• Proven and relevant experience in the use of customer decisioning software


• SAS / SQL coding proficiency


• Near prime banking experience


• Blaze / SRL coding experience


• Agile work experience
  
  Back in 1880, our founder, JK Waddilove started to provide factory workers in Bradford, with essentials, when others wouldn't, like coal and clothing.


Times have changed since then, society has moved on, and our market and customer needs have evolved. What has not changed though, is our long-established desire to help put people on a path to a better everyday life.

Today we have stayed true to our purpose, just as we've always done, in our communities, for our customers, in an evolving and changing world.

It's why we are here, it's how we will stay, and as Vanquis Banking Group, we can look to the future, and look back at our past with pride.

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 are happy for you to be based in Bradford, 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 to 3 days per week in one of our offices.

Benefits : Discretionary annual bonus, 25 days holiday up to 30 days (depending on service), pension scheme with matched company contributions up to 10%, 1 paid day to give back',
• Up to 30minute telephone call with a member of the Talent Acquisition team


• Up to 60 with the hiring team Technical and competency based


• Final interview with Tom Dalby (Head of Shared Services - Credit Risk)


Our 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., 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 Save as you Earn' and '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 Statement

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, its 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.