Lead Credit Risk Analyst

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

• 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
Knowledge and expertise :
• Experienced in consumer credit, preferably in the sub-prime or online lending sector
• Present, both written and verbal, clear and concise results using aggregated data, highlighting key trends, opportunities / risks and recommendations.
• Ensure clear documentation and commented code in place for all analysis, processes and tools including maintaining logs / audit trails for all changes and decisions.
• Understand the systems where the data resides, the processes by which data is collated and stored and the methods available for data retrieval.
• Use a comprehensive understanding of the business meaning behind the data, the business processes underlying the figures and any limitations of the data to drive analysis design and proposals
• Define analytical project phases, success criteria and timescales and drive projects through to implementation while engaging stakeholders throughout and considering customer impact
• Support the testing and delivery of changes to models, policy and strategy, liaising with the relevant departments
  
  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
  
  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,
• 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'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. 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 competitive salaries, 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. We offer a range of training and development opportunities to help each of our colleagues maximise their potential, whatever their role. From your first day working with us, we'll help you settle into your new role and are happy to 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.