Senior Credit Risk Analyst, Existing Customer Strategies

Senior Credit Risk Analyst, Existing Customer Strategies

Contract Type: Permanent ¦ Full Time

Location: Bradford, London or Petersfield

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

We don't just care about your work, we care about your health, wellbeing and life outside your working hours. That’s why we offer we offer flexibility, empathy, and a wide range of resources to help you navigate life’s ups and downs and feel your best. We encourage you to take ownership of your work-life blend, support others and make time to prioritise your wellbeing, our benefits include:

• Holidays: 25 days of annual leave (rising to 30 with service), and tailor your time off by buying or selling up to 5 extra days. Plus, with our flexible bank holiday policy, you can swap up to 4 days to celebrate what matters most to you—whether that’s skipping Easter or switching up your Christmas plans.
• Pension: We’ll boost your future with up to 10% employer contributions—because your tomorrow matters
• Enhanced Leave: Enhanced maternity (post-probation) and 4 weeks paternity leave to paid neonatal and carers leave – we’ve got your back when it matters most.
• Workations: Why not take your laptop somewhere sunny? Work abroad for up to 20 days a year in approved countries. Yes, really.
• Paid Birthday Leave: Your birthday, your rules—take the day off and celebrate in style!
• Volunteering: 2 paid days a year to volunteer for a cause close to your heart.
• Learning & Development: Access to LinkedIn Learning for all colleagues – because your growth matters.
• Financial Wellbeing: Stay on top of your finances with a free Snoop Premium subscription.
• Healthcare: Take care of your wellbeing with our easy self-pay Denplan scheme for dental care and feel confident knowing you can also choose Private Medical Insurance for extra reassurance when it matters most.

The Role

We're looking for a highly analytical and driven Senior Credit Risk Analyst to join our team, focusing on optimising Existing Customer Management strategies. In this role, you'll leverage data-driven insights to enhance lending decisions, balance risk and reward, and support business growth through robust credit strategies. You'll lead complex analytical projects, deliver actionable recommendations, and work closely with cross-functional teams to ensure alignment and effectiveness. If you’re passionate about consumer credit, thrive on problem-solving, and want to play a key role in driving strategic impact, we’d love to hear from you.

You and Your Team

You’ll be joining a high-performing and collaborative Credit Risk team that sits at the heart of customer decisioning. We are a data-led, insight-driven function focused on optimising strategies that balance risk, reward, and responsible lending. The team is passionate about continuous improvement, innovation, and making a real impact on business performance and customer outcomes. This role reports into the Credit Risk Manager and you’ll work closely with senior stakeholders across Credit Risk, Product, Finance, and Operations to ensure our strategies are both effective and aligned with wider business goals.

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
• 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:

• 2 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.
• Coding skills with SAS/SQL/Python or similar software.
• Experience working to a high level of detail and accuracy.
• Proven ability to effectively plan and organise work effectively and prioritise deadlines whilst working at a fast pace.
• 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 1.7 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 are proud signatories of the Armed Forces Covenant and actively support the Armed Forces community, including veterans, reservists, and military families.

We take care of our colleagues as well as our customers, we are creating a workplace where everyone feels connected, valued, empowered and rewarded– all guided by our four core values – caring for people, pulling together, finding better ways and getting the right things done.

Rewarding our colleagues goes beyond pay. We’re building a culture where everyone feels valued, motivated, and proud. Alongside competitive salaries, we offer meaningful benefits, annual salary reviews, a discretionary bonus scheme and evolving recognition.

We care about your career and ambitions just as much as you do, offering tools, guidance and opportunities to help you grow. Take ownership, stay curious and we’ll match your ambition with unique experiences, hands-on learning and tailored development to support your career journey.

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].