Senior Credit Risk Analyst

Senior Credit Risk Analyst, Credit Card Strategies

Contract Type: Permanent | Full Time

Location: London, Bradford Petersfield or Chatham

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 LinkedIn Learning for all colleagues.

• Financial Wellbeing: Free Snoop Premium subscription.

• Healthcare: Self-pay Denplan & optional Private Medical Insurance.

The Role

As a Senior Credit Risk Analyst you’ll play a critical role in shaping, delivering and optimising Existing Customer Management strategies for VBG through robust, data driven insight. You’ll develop deep expertise across the customer management lifecycle, understanding every aspect of decisioning and customer touchpoints. The role leads complex analytical projects that balance customer outcomes with commercial objectives, ensuring recommendations fully consider both business and customer implications. You’ll support the optimisation of lending decisions through structured test and learn initiatives, identifying champion strategies that drive growth while maintaining credit quality and responsible lending standards. With responsibility for accurate and appropriate decisioning.

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

• Conduct detailed analytical work to interpret complex datasets, identifying opportunities for strategic improvement. Prepare clear, insight driven recommendations based on your analysis, with responsibility for developing proposals

• 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

• Experience working within a credit cards portfolio is essential. Additional experience with structured lending products, such as vehicle finance, personal loans or mortgages is beneficial and will support broader portfolio insight.

• 3+ years’ experience in analytics, within a credit risk environment

• Strong programming experience is essential, with proficiency in SQL and Python

• Excellent communication skills, written and verbal.

• Experience working to a high level of detail and accuracy.

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 — especially during interviews.

If you need assistive technology or reasonable adjustments (including the use of AI tools), please let the Talent Acquisition team know in