Lead Analyst

2 weeks ago

London, Greater London, United Kingdom Net-Worx (2001) Ltd Full time

Lead Credit Risk Analyst – Structured Lending

Location:

Lead Credit Risk Analyst – Structured Lending

Location: London, Bradford, Chatham or Petersfield

We are happy for you to be based in Bradford, Chatham or Petersfield but please note that occasional travel will be required to our other offices

Working Pattern: Our working style is hybrid, but we recognise the importance of collaborative working with our colleagues often 1 to 3 days per week in one of our offices

Benefits: Discretionary annual bonus, 25 days holiday up to 30 days (depending on service), pension scheme with matched company contributions up to 10%, 1 paid day to 'give back', LinkedIn Learning for all

Don't hesitate to apply for a role even if you don't meet all the criteria; your unique strengths and eagerness to learn can be just as valuable.

You and Your Team:

The Credit Risk Structured Lending team is responsible for all aspects of credit decisioning for the Vehicle Finance and Unsecured Personal Loans products.

As a Lead Analyst, you will develop, implement, and monitor the credit strategies for structured lending products within Vanquis Banking Group, leading data-driven analysis and the delivery of key initiatives to drive value for the Bank. You will work with teams across the business to support the optimisation of our lending strategies, scorecards and credit risk monitoring to ensure we minimise losses while expanding opportunities.

In your day-to-day role, as a Lead Analyst you will:

  • Develop optimised credit risk strategies to deliver positive outcomes for customers and support business and financial objectives
  • Investigate and utilise new data sources for analysis and decisioning.
  • Balance risk, reward, and responsible lending to support business growth and portfolio profitability.
  • Ensure accurate and appropriate lending decisions through close tracking and monitoring.
  • Conduct innovative analysis and provide logical recommendations for customer and business benefits.
  • Automate and streamline processes for integration, effectiveness, and efficiency.
  • Provide insight through targeted analysis, forecasting, and regular MI development.
  • Lead departmental projects autonomously, ensuring compliance with risk management frameworks.
  • Contribute to and challenge working practices constructively.
  • Oversee or peer-review team changes, directing day-to-day work of Analysts/Senior Analysts as needed.
  • Deputise for the manager as required.
  • Support testing and delivery of changes to models, policy, and strategy.
  • Operate a robust test and learn approach, adjusting based on performance expectations.
  • Identify and resolve issues quickly, capturing lessons learned and introducing preventative controls.

What will make you stand out?

  • Minimum of 3 years' experience in an analytical role.
  • Clear, logical, and analytical approach to problem-solving.
  • Attention to detail and accuracy.
  • Advanced proficiency in SAS/SQL.
  • Intermediate proficiency in MS Office applications.
  • Good influencing and communication skills.
  • Challenges conventional approaches.
  • Experience in a regulated environment.
  • Knowledge of other relevant programming/analytical tools such as R, Python, Hadoop, Tableau
  • Understanding of decisioning systems (e.g. Powercurve, Zoot)

The interview process:

  • Up to 30minute telephone call with a member of the Talent Acquisition team
  • Up to 60 mins with the hiring team – Competency based
  • Final interview with Daniel Betts (Head of Credit Risk)

Our average process takes up to 4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team throughout the process.

As this role involves working within a regulated environment any offer will be subject to satisfactory background checks including criminal record check, credit check, fraud check and employment references.

Your working life: If you prefer to work part-time, we'll make this happen whenever we can - whether this is to help you meet other commitments or strike a great 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.

Why work for us?

We'reVanquis Banking Groupplc, an FTSE All Share company and a leading specialist bank, established in 1880.We lend responsibly, providing tailored products and services to 1.75 million UK customers through Vanquis, Moneybarn, and Snoop.Our purpose is simple:to deliver caring banking so our customers can make the most of life's opportunities.

At Vanquis Banking Group we believe in looking after our colleagues, so we do our best to create a rewarding, engaging, and supportive work environment across our various divisions.

We let our colleagues know we appreciate their hard work by offering competitivesalaries, benefits, and a Group wide recognition scheme. All colleagues are eligible to join a pension scheme, and, after six months' service, youcan join our 'Save as you Earn' and 'Buy as you Earn' schemes.

We offer a range of training and development opportunities to help each of our colleaguesmaximise their potential, whatever their role. From your first day working with us, we'll help you settle into your new role and are happyto talk to you about your career aspirations.

Equal Opportunity Statement

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

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