Senior Credit Risk Analyst

Description:

We’re on the hunt for a Senior Credit Risk Analyst to join our forward-thinking Collections team, where innovation meets impact. This isn’t just about crunching numbers—it’s about shaping smarter strategies for Credit Cards and Vehicle Finance. You’ll lead test-and-learn initiatives, refine decision-making frameworks, and champion cutting-edge credit risk practices that drive real business results. If you thrive at the intersection of data science and business strategy, this is your chance to make a tangible difference.

You and your Team

You’ll be joining a passionate, collaborative team that’s transforming the way we approach Collections. We’re curious, data-driven, and always looking for smarter ways to deliver customer and business benefits. Our culture is built on innovation, continuous learning, and challenging the status quo—because we believe the best ideas come from those who dare to think differently. Together, we’re shaping strategies that matter.

As a Senior Credit Risk Analyst, Collections you will:

• Drive the optimisation of Collections decisions through test and learn initiatives to identify champion strategies.
• Evaluate the quality of the data, and communicate any issues with interpretation of subsequent analyses
• Support research into the adoption of new credit risk tools, data sources, regulatory change and technical developments.
• Evaluate the business impact of proposed new strategy developments to tie back cost and benefit to the P&L.
• Support the regular reporting and monitoring required ensuring that all strategies are performing, and movements are understood.
• Support the wider existing customer team where strategies overlap and on occasion where priority necessitates.
• Perform inquisitive and innovative analysis and provide logical recommendations resulting in customer and /or business benefits.
• Responsible for automating and streamlining processes to maximise integration, effectiveness and efficiency.

What We’re Looking For

• Experience in an analytical role, within a collections or Credit Risk environment.
• Experience with decisioning systems
• Exceptional quantitative skills including credit analytics
• Coding skills with SAS/SQL/Python or similar software.
• Experience in Credit Analytics.
• Good influencing and communication skills.
• Challenges conventional approaches.
• Experience of strategy optimisation.

Offers are subject to standard background checks (credit, fraud and employment references).

Who we are

At Vanquis, our purpose is simple: to deliver caring banking that helps people make the most of life’s opportunities. Founded in 1880, we’re now a FTSE All Share specialist bank supporting over 1.7 million UK customers with responsible, tailored lending.