Lead Credit Risk Analyst, Vehicle Finance
Location:
Petersfield, Bradford, Chatham, London Closing Date:
Thursday 06 February 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:
We will contribute up to 10% Maternity/Paternity:
Enhanced maternity (after successful completion of probation) and 4 weeks paternity leave Volunteering:
2 paid days to ‘give back’ to the charity of your choice Development:
LinkedIn Learning for all Medical:
Opportunity to opt in for Private Medical Insurance Bonus:
Discretionary annual bonus The Role: As a Lead Credit Risk Analyst, you will be reporting to the Credit Risk Strategy Manager and will 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 and appropriate through tracking and monitoring. As a Lead Credit Risk Analyst, 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 for analysis and decisioning Support business growth
and portfolio profitability while ensuring a balance between risk, reward and responsible lending Drive the optimisation
of lending decisions through test and learn initiatives Ensure lending decisions are accurate
through close tracking and monitoring Perform inquisitive and innovative analysis
and provide logical recommendations Devise, initiate and deliver
complex analytical/data driven projects Define analytical project phases , success criteria and timescales 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 with a focus on
vehicle finance
or similar secured lending products. We are looking for candidates who 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 Proven experience in
scorecard cut-off setting
and
decline rule optimisation The ability to leverage data to drive 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 Offers are subject to satisfactory background checks, including credit, fraud, and employment references. Who We Are: At Vanquis, we have a simple purpose: to deliver caring banking so our customers can make the most of life’s opportunities. We’re now a FTSE All Share company and leading specialist bank. We lend responsibly, providing tailored products and services to over 1.75 million UK customers. We take care of our colleagues as well as our customers, working hard to create a rewarding and supportive work environment. Vanquis Bank is an Equal Opportunity Employer: Here at Vanquis Banking Group, we embrace everyone’s unique strengths and identities to be themselves at work. If there’s anything we can do in the recruitment process to help you achieve your best, get in touch.
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Petersfield, Bradford, Chatham, London Closing Date:
Thursday 06 February 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:
We will contribute up to 10% Maternity/Paternity:
Enhanced maternity (after successful completion of probation) and 4 weeks paternity leave Volunteering:
2 paid days to ‘give back’ to the charity of your choice Development:
LinkedIn Learning for all Medical:
Opportunity to opt in for Private Medical Insurance Bonus:
Discretionary annual bonus The Role: As a Lead Credit Risk Analyst, you will be reporting to the Credit Risk Strategy Manager and will 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 and appropriate through tracking and monitoring. As a Lead Credit Risk Analyst, 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 for analysis and decisioning Support business growth
and portfolio profitability while ensuring a balance between risk, reward and responsible lending Drive the optimisation
of lending decisions through test and learn initiatives Ensure lending decisions are accurate
through close tracking and monitoring Perform inquisitive and innovative analysis
and provide logical recommendations Devise, initiate and deliver
complex analytical/data driven projects Define analytical project phases , success criteria and timescales 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 with a focus on
vehicle finance
or similar secured lending products. We are looking for candidates who 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 Proven experience in
scorecard cut-off setting
and
decline rule optimisation The ability to leverage data to drive 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 Offers are subject to satisfactory background checks, including credit, fraud, and employment references. Who We Are: At Vanquis, we have a simple purpose: to deliver caring banking so our customers can make the most of life’s opportunities. We’re now a FTSE All Share company and leading specialist bank. We lend responsibly, providing tailored products and services to over 1.75 million UK customers. We take care of our colleagues as well as our customers, working hard to create a rewarding and supportive work environment. Vanquis Bank is an Equal Opportunity Employer: Here at Vanquis Banking Group, we embrace everyone’s unique strengths and identities to be themselves at work. If there’s anything we can do in the recruitment process to help you achieve your best, get in touch.
#J-18808-Ljbffr
