Lead Credit Risk Analyst

3 weeks ago

Bradford, Bradford, United Kingdom Vanquis Bank Full time

Job Title: Lead Credit Risk Analyst

Job Summary:

We are seeking a highly skilled Lead Credit Risk Analyst to join our team at Vanquis Banking Group. As a Lead Credit Risk Analyst, you will be responsible for developing and implementing credit risk strategies to ensure the bank's lending decisions are accurate and appropriate.

Key Responsibilities:

  • Develop expert understanding of the customer management lifecycle, including all aspects of decisioning and customer touch points.
  • Drive the optimisation of lending decisions through test and learn initiatives to identify champion strategies.
  • Investigation and development of new data sources to be used for analysis and decisioning.
  • 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.
  • Devise, initiate and deliver complex analytical/data driven projects fully incorporating Customer and business implications throughout.
  • Responsible for automating and streamlining processes to maximise integration, effectiveness and efficiency.

Requirements:

  • Minimum of 5 years' experience in analytical role.
  • Honours Degree or equivalent in a quantitative subject such as Mathematics, Statistics, Operations Research or Computer Science.
  • SAS/SQL - Highly Proficient (Advanced).
  • Intermediate in all standard MS Office applications.
  • Advanced level experience in decisioning systems.
  • Experience in Credit Analytics.
  • Experience of scorecard cut-off setting and strategy optimisation through decline rules.

What We Offer:

We offer a competitive salary, benefits, and a Group wide recognition scheme. All colleagues are eligible to join a pension scheme, and, after six months' service, you can join our 'Save as you Earn' and 'Buy as you Earn' schemes.

Why Work for Us:

We're Vanquis Banking Group plc, 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.

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, marital 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.

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