Senior Credit Risk Analyst, New Business Origination Strategies

Senior Credit Risk Analyst, New Business Origination Strategies

Contract Type: Permanent | Full Time

Location: Bradford, London 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

Are you passionate about turning data into powerful business decisions? At VBG, we’re looking for a Senior Credit Risk Analyst to lead the charge in shaping the future of our New Business Origination Strategies. In this pivotal role, you’ll harness data-driven insights to design, implement, and continuously refine strategies that drive smart, responsible growth.

You’ll become a subject matter expert in new business originations—diving deep into every aspect of decisioning and customer interaction. From the first touchpoint to final approval, your analytical expertise will ensure we strike the perfect balance between risk and opportunity.

With a strong focus on regular reporting and performance monitoring, you’ll ensure our risk strategies remain sharp, effective, and aligned with our business goals. If you're ready to make a measurable impact in a dynamic, data-rich environment, this is your opportunity to lead with insight and innovation.

As a Senior 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

• 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.
• Experience working to a high level of detail and accuracy.
• Knowledge of Consumer Lending products such as credit cards, loans or vehicle finance.

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].