Lead Analyst , Credit Risk Cards Originations

Lead Credit Risk Analyst, Credit Cards Originations

Contract Type: Permanent | Full Time

Location: Bradford, Chatham, Petersfield or London

Working Pattern: Hybrid (usually one day a week in the office).

We welcome part-time and flexible arrangements and will aim to match your current flexibility where possible.

What We Offer

We care about your wellbeing, not just your work. Our benefits are designed to support your life, your health and your growth:

• Holidays: 25 days (rising to 30) + buy/sell up to 5 days + swap up to 4 bank holidays.
• Pension: Up to 10% employer contribution.
• Enhanced Leave: Enhanced maternity (post-probation), 4 weeks’ paternity, and paid neonatal & carers leave.
• Workations: Work abroad for up to 20 days a year in approved countries.
• Birthday Leave: Your birthday off—paid.
• Volunteering: 2 paid volunteering days.
• Learning: Access to Learning for all colleagues.
• Financial Wellbeing: Free Snoop Premium subscription.
• Healthcare: Self-pay Denplan & optional Private Medical Insurance.

Role

Are you passionate about turning data into powerful business decisions? At Vanquis, we’re looking for a Lead Credit Risk Analyst to shape the future of our New Business Strategies. You’ll focus primarily on our Credit Cards portfolio, developing and enhancing our origination strategies and reporting.

In this key role, you’ll use data-driven insight to design, implement and refine originations strategies that balance risk and opportunity. You’ll dive deep into customer decisioning across multiple products, becoming a subject matter expert in how we assess applications and support responsible growth.

With a strong emphasis on reporting and performance monitoring, you’ll ensure our strategies stay sharp, effective and aligned with business goals. If you’re ready to make a measurable impact across diverse portfolios in a dynamic, data-rich environment, this role is your opportunity to lead with insight and innovation.

As a Lead 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.

What We’re Looking For

• 5+ 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.
• Confidently present analysis, recommendations, and strategic insights to senior stakeholders and governance forums, ensuring complex information is communicated clearly and effectively
• Lead endtoend delivery of analytical projects while providing guidance, coaching and mentorship to junior analysts to support their development and highquality output.

Offers are subject to standard background checks (credit, fraud and employment references).

Who we are

At Vanquis, our purpose is simple: to deliver caring banking that helps people make the most of life’s opportunities. Founded in 1880, we’re now a FTSE All Share specialist bank supporting over 1.7 million UK customers with responsible, tailored lending.

We’re proud to be certified as a Great Place to Work and recognised by the Financial Times as one of the UK’s Best Employers 2025 — ranked top 50 nationwide and seventh in Banking & Financial Services.

We’re also proud signatories of the Armed Forces Covenant, actively supporting veterans, reservists and military families.

Guided by our values — caring for people, pulling together, finding better ways and getting the right things done — we’re building a workplace where colleagues feel connected, valued and empowered. Alongside competitive pay, we offer meaningful benefits, salary reviews, a discretionary bonus scheme and continued recognition.

We’re invested in your development too. With the right support and hands-on learning, you’ll grow your skills, shape your career and realise your ambitions.

How We Hire

We use AI to help organise applications and surface early matches, but all decisions are made by humans. Please apply authentically —