Senior Analyst -Portfolio Profitability Modelling

JJob Title: Senior Analyst - Portfolio Profitability Modelling

Contract Type: Permanent, Fulltime

Location: Bradford, Petersfield, Chatham or London

Working Pattern: Hybrid—typically 1 day 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.

What We Offer:

• Holidays: 25 days holiday up to 30 days (depending on service)
• Pension: We know it is important to save for the future, that is why we will contribute up to 10%
• Maternity/Paternity: We realise that family time is important, we offer enhanced maternity (after successful completion of probation) and 4 weeks paternity leave
• Volunteering: 2 paid days to ‘give back’ to the charity of your choice
• Development: LinkedIn Learning for all
• Finance: Snoop Premium available to all colleagues
• Medical: Opportunity to opt in for Private Medical Insurance
• Bonus: Discretionary annual bonus

The Role:

The Pricing Modelling team operates as a Centre of Excellence to develop, maintain and evolve the capability of pricing models across the bank’s products (Credit Cards, Vehicle Finance, Second Charge Mortgages, Savings). These models play a pivotal role in enabling the business to achieve its financial objectives, by embedding advanced data-driven modelling in to commercial strategy and pricing decisions, to drive sustainable profitability.

As an Analyst, you will own the design, development, and maintenance of our profitability and pricing models and tracking suite. You will play key role in designing and shaping the next generation of models in a cloud-based, data-driven environment, to unlock greater flexibility and granularity to unlock faster, smarter, and more responsive decision making.

As a Senior Analyst - Portfolio Profitability Modelling, you will:

• Lead the design, development, innovation, and maintenance of our profitability & pricing models and tracking suites
• Evolve the capability of Pricing models, through developing further automation, enhanced granularity, and streamlined user interfaces, on a next generation cloud-based analytics platform
• Combine business strategies and levers, with data driven customer performance, within the models, to translate key performance drivers into financial measures and outcomes, such as RoTE & PBT
• Working to ensure we take the right decisions for our shareholders and customers by supporting other teams around the business in a wide range of profitability & financial analysis
• Place strong and robust controls and automation around everything you do – to make sure that our tools and models are precise, accurate, and trusted throughout the business
• Ensure all models in operation are fit for purpose through the development of dynamic model monitoring suites, recalibrating and redeveloping these models when necessary
• Identify new opportunities and improvements in current modelling practices, processes and tools, through inquisitive and innovative analysis
• Coaching junior team members; conducting peer-review of team members work, and role modelling exceptional behaviours and standards
• Deputise for Senior manager as and when require

What We’re Looking For:

• Pricing Modelling: Previous experience developing NPV / profitability / pricing / financial models in Python/SAS/SQL/Excel/or similar technologies, with a full understanding of the purpose, design, mechanics and outputs
• Coding & Forecasting: Experienced with Python, Snowflake, SQL, or SAS; confident developing code from scratch to manipulate and interrogate data, with strong knowledge of forecasting techniques/tools/libraries
• Financial Metrics: Familiarity with the components and structure of the P&L / balance sheet, and key financial measures and metrics
• Lending Products: Credit Cards, Loans, or Vehicle Finance product experience with knowledge of the profitability drivers & modelling approaches
• Model Development: A good understanding of the model development lifecycle and key principles
• Communication: Excellent verbal and written communication skills, capable of presenting complex findings to non-technical stakeholders, and building strong relationships with key stakeholders.

Offers are subject to satisfactory background checks, including credit, fraud, and employment references.

Who We Are:

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 1.75 million UK customers.

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.

Vanquis Bank is an Equal Opportunity Employer

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, 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 [email protected]