Lead Credit Risk Analyst, Vehicle Finance
Location:
Petersfield, Bradford, Chatham, London
Salary:
Competitive
Closing Date:
Sunday 05 January 2025
Contract Type:
Permanent | Full-time
Working Pattern:
Hybrid - typically 1 day a week in the office. Flexible arrangements are considered to support work-life balance.
What We Offer: Holidays:
25 days holiday up to 30 days (depending on service) Pension:
Up to 10% employer contribution Maternity/Paternity:
Enhanced maternity and 4 weeks paternity leave Volunteering:
2 paid days for charity work Development:
LinkedIn Learning for all Finance:
Snoop Premium available to all colleagues Medical:
Opportunity for Private Medical Insurance Bonus:
Discretionary annual bonus
The Role: As a Lead Credit Risk Analyst, you will report to the Credit Risk Strategy Manager and be responsible for optimising lending decisions for our Vehicle Finance product. You will drive test and learn initiatives to identify champion strategies while ensuring lending decisions remain accurate through monitoring.
Responsibilities: Develop expert understanding
of the customer management lifecycle. Investigate and develop
new data sources for analysis and decisioning. Support business growth
and portfolio profitability while balancing risk and reward. Drive optimisation
of lending decisions through test and learn initiatives. Ensure accuracy
of lending decisions through close tracking and monitoring. Perform analysis
and provide recommendations for customer and business benefits. Deliver
complex analytical projects incorporating customer and business implications. Define project phases
and drive projects to implementation. Oversee and peer-review
team changes, mentor Analysts/Senior Analysts. Deputise
for manager as required.
What We're Looking For: We are seeking a candidate with strong experience in consumer credit, ideally focusing on
vehicle finance
or secured lending products. Candidates should meet the following criteria: A minimum of
5 years' experience
in an analytical role within consumer credit. Proficiency in
SAS, Python, or SQL
(Advanced level required). Extensive experience with
decisioning systems
and strategy optimisation. Strong background in
Credit Analytics . Experience in
scorecard cut-off setting
and
decline rule optimisation . The ability to leverage data for informed decision-making.
The interview process: Up to 30-minute telephone call with a member of the Talent Acquisition team. 30-minute virtual interview with the hiring manager. Final 1-hour virtual interview with the hiring team.
Who We Are: At Vanquis, we deliver caring banking to help our customers make the most of life's opportunities. We are a leading specialist bank, lending responsibly to over 1.75 million UK customers. We prioritize our colleagues' well-being and offer competitive salaries, benefits, and a supportive work environment.
Equal Opportunity Employer: At Vanquis Banking Group, we embrace everyone's unique strengths and identities. We welcome applications from all backgrounds and strive to create an inclusive workplace. If you require assistance during the recruitment process, please contact us at careers@vanquis.com. #J-18808-Ljbffr
Location:
Petersfield, Bradford, Chatham, London
Salary:
Competitive
Closing Date:
Sunday 05 January 2025
Contract Type:
Permanent | Full-time
Working Pattern:
Hybrid - typically 1 day a week in the office. Flexible arrangements are considered to support work-life balance.
What We Offer: Holidays:
25 days holiday up to 30 days (depending on service) Pension:
Up to 10% employer contribution Maternity/Paternity:
Enhanced maternity and 4 weeks paternity leave Volunteering:
2 paid days for charity work Development:
LinkedIn Learning for all Finance:
Snoop Premium available to all colleagues Medical:
Opportunity for Private Medical Insurance Bonus:
Discretionary annual bonus
The Role: As a Lead Credit Risk Analyst, you will report to the Credit Risk Strategy Manager and be responsible for optimising lending decisions for our Vehicle Finance product. You will drive test and learn initiatives to identify champion strategies while ensuring lending decisions remain accurate through monitoring.
Responsibilities: Develop expert understanding
of the customer management lifecycle. Investigate and develop
new data sources for analysis and decisioning. Support business growth
and portfolio profitability while balancing risk and reward. Drive optimisation
of lending decisions through test and learn initiatives. Ensure accuracy
of lending decisions through close tracking and monitoring. Perform analysis
and provide recommendations for customer and business benefits. Deliver
complex analytical projects incorporating customer and business implications. Define project phases
and drive projects to implementation. Oversee and peer-review
team changes, mentor Analysts/Senior Analysts. Deputise
for manager as required.
What We're Looking For: We are seeking a candidate with strong experience in consumer credit, ideally focusing on
vehicle finance
or secured lending products. Candidates should meet the following criteria: A minimum of
5 years' experience
in an analytical role within consumer credit. Proficiency in
SAS, Python, or SQL
(Advanced level required). Extensive experience with
decisioning systems
and strategy optimisation. Strong background in
Credit Analytics . Experience in
scorecard cut-off setting
and
decline rule optimisation . The ability to leverage data for informed decision-making.
The interview process: Up to 30-minute telephone call with a member of the Talent Acquisition team. 30-minute virtual interview with the hiring manager. Final 1-hour virtual interview with the hiring team.
Who We Are: At Vanquis, we deliver caring banking to help our customers make the most of life's opportunities. We are a leading specialist bank, lending responsibly to over 1.75 million UK customers. We prioritize our colleagues' well-being and offer competitive salaries, benefits, and a supportive work environment.
Equal Opportunity Employer: At Vanquis Banking Group, we embrace everyone's unique strengths and identities. We welcome applications from all backgrounds and strive to create an inclusive workplace. If you require assistance during the recruitment process, please contact us at careers@vanquis.com. #J-18808-Ljbffr
