Lead Credit Risk Analyst, Unsecured Lending

As a Lead Credit Risk Analyst, you will be reporting to the Credit Risk Manager - Structured Lending. Responsible for Driving the optimisation of lending decisions through test and learn initiatives to identify champion strategies, whilst ensuring lending decisions are accurate and appropriate through tracking and monitoring. In your day-to-day role, as a Lead Credit Risk Analyst, Structured Lending you will:

• Develop expert understanding of the customer management lifecycle, including all aspects of decisioning and customer touch points
• 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
• Drive the optimisation of lending decisions through test and learn initiatives to identify champion strategies
• 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
• Define analytical project phases, success criteria and timescales and drive projects through to implementation, managing the full project from end to end
• Oversee and peer-review team changes, mentor Analysts/Senior Analysts, direct daily work without formal management duties
• Deputise for manager as and when required
  
  Experienced in consumer credit, preferably in a structured lending or online lending sector
• Minimum of 5 years' experience in analytical role
• SAS, Python or SQL - Highly Proficient in either (Advanced)
• Advanced level experience in decisioning systems
• Experience in Credit Analytics
• Experience of scorecard cut-off setting and strategy optimisation through decline rules
The interview process:
• Up to 30minute telephone call with a member of the Talent Acquisition team
  
  We are happy for you to be based in Bradford, London, 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 day 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%, 2 paid days to 'give back', enhanced maternity pay (once successfully passing probation), 4 weeks paid paternity, LinkedIn Learning for all, Snoop Premium, Private Medical Insurance, 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 '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. 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 at