Senior Analyst, Responsible Lending and Open Banking

Senior Analyst, Responsible Lending and Open Banking

Contract Type: Permanent | Full Time

Location: London, Bradford or Petersfield. Occasional travel to other offices may be required.

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.

What We Offer

• Holidays: 25 days, increasing to 30 days with service
• Pension: Up to 10% employer contribution
• Family Leave: Enhanced maternity (post-probation) and 4 weeks paternity leave
• 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

The Role

Join us in shaping the future of lending by supporting the evaluation and integration of alternative data sources into affordability and credit risk strategies across Loans, Vehicle Finance, and Credit Cards. This role offers the opportunity to assess open banking transactional data and contribute to smarter, data-driven lending decisions. You'll play a key part in helping us extend credit to underserved UK customers, grow our market share, and optimise profitability—all while ensuring positive customer outcomes. With a strong analytical foundation, you'll drive innovation through test-and-learn initiatives and collaborate with stakeholders to ensure our strategies are effective, well-communicated, and aligned with our risk appetite.

You and your Team

You’ll be joining a dynamic and collaborative Credit Risk team that thrives on analytical excellence and knowledge sharing. We’re passionate about using data to make a real difference—whether it’s improving portfolio performance or delivering innovative solutions. With a strong focus on affordability and responsible lending, we work closely with other Credit Risk functions and business units to ensure our strategies are robust and customer-centric. If you're someone who enjoys solving complex problems, sharing insights, and working in a supportive, forward-thinking environment, we’d love to have you on board.

As a Senior Credit Risk Analyst, you will:

• Investigate and develop new data sources to be used for affordability analysis and decisioning.
• Contribute to discussions and challenges that help inform the development of Responsible Lending policies and strategies.
• Develop expert understanding of the customer management lifecycle, including all aspects of decisioning and customer touch points.
• Perform in depth reviews of customer affordability, providing insight and giving recommendations for credit strategy updates.
• Be ‘customer-obsessed’ and have the appetite to understand our customers, how they behave, and provide insight that helps the business make decisions that positively impact the customer.
• Ensure compliance with policies, procedures and external regulatory frameworks and ensure that the principles of responsible lending are upheld in line with the Group’s Responsible Lending Policy.
• Support business growth and portfolio profitability by balancing risk, reward and responsible lending, whilst 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

What We’re Looking For

• 2+ years experience in a Credit Risk analytical role is essential
• Proficient in SAS, SQL, or Python.
• Experience in analytical tools such as SAS VA or PowerBI.
• Ability to interpret data and develop meaningful insight which can support and drive decision-making.
• Excellent communication skills, written and verbal
• Experience working to a high level of detail and accuracy
• Knowledge of Retail Consumer Lending products such as Credit cards, Loans, Overdrafts or Mortgages.

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 1.69 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.

If there’s anything we can do to support you during the recruitment process—whether that’s a different format of the application or additional assistance—please contact us at [email protected].