Job Description

City/Region Chester, England; Newcastle upon Tyne, England Job ID 110529 Category Risk and Financial Modelling Contract type Permanent Full Time Applications Close 9 Jan 2026 (11.55pm GMT)
Business Unit: Group Unsecured Lending
Salary range: 45,600 - 57,000 per annum DOE + benefits
Location: UK Hybrid - Regular travel to Chester or Newcastle hubs
Contract type: Permanent
Our Team
We have an exciting opportunity in the Unsecured Lending team to join a talented group of Analytical colleagues in driving commercial growth in combination with strong customer outcomes. The role is responsible for ensuring business performance and customer behaviours are understood, to support purpose led strategies and management of the unsecured lending business.
What you'll be doing

• Insights - into the unsecured lending business, combining low level portfolio performance insight with a macro view of external factors (including competitor activity).
• Optimisation - Utilising analytical platforms and data to provide insight and data led recommendations to support key business trading decisions.
• Financial Loss - evaluation of commercial and credit performance across unsecured lending, leveraging analytics to identify risks and opportunities, working with key stakeholders across the business.
• Transformation - Adopting a continuous improvement team mindset, identifying opportunities to improve efficiency through the adoption of new technologies, data, segmentation and advanced modelling.
• Working in a team of talented, dedicated colleagues, who can help you apply and develop these skills in a real-world environment.
• Partnering with key stakeholders and business partners, building relationships to obtain engagement and support in delivery of plans.

We need you to have

• A strong analytical mind, a self-starter and a willingness to learn and develop.
• Previous exposure to coding (SAS, SQL, Python, R) to include summarising and presenting large datasets
• Excellent numerical skills, be able to demonstrate the ability to interpret data incisively, clearly present the facts and influence outcomes through data led recommendations.
• Strong Microsoft Excel skills.
• Experience analysing and interpreting data to solve business problems
• Proven ability to build trusted relationships with a wide range of stakeholders at all levels, with experience of managing challenge and conflict.

It's a bonus if you have but not essential

• A degree from a Mathematical, Economic, or Science discipline.
• Experience within financial services, with knowledge of the end-to-end economics, customer behaviour, strategy, credit reference agencies, sales funnels and drivers of product profitability.
• Proficiency coding with SAS, SQL and other languages

Red Hot Rewards

• 25 days holiday per year, increasing over time to 30. Plus, an option to buy more, giving you even more choice.
• Private medical insurance
• A highly competitive pension to help you build a strong foundation for retirement
• Access to an annual performance-related bonus
• Training and development to help you progress your career
• A great selection of additional benefits through our flexible benefits scheme
• Life assurance to provide peace of mind for you and your loved ones
• Up to 2 days of paid volunteering a year

If we're lucky to receive a lot of interest, we may close the advert early. Please ensure to submit your applications as soon as possible.
Say hello to Virgin Money
Virgin Money is so much more than just a bank. As part of the Nationwide group, together we're the UK's first full-service mutual bank serving millions of retail and business customers and all driven by our purpose; Banking but fairer, more rewarding and for the good of society. With us, you'll be part of an organisation uniquely positioned to make a difference to the lives of customers, communities and broader society and embark on a collaborative, customer obsessed, and fun-filled career journey. Embrace the weekdays, enjoy fantastic perks, and make a meaningful positive difference. Time to discover what it means to be part of the first mutual full-service banking provider.
Be yourself at Virgin Money
At Virgin Money, we celebrate everyone. We have fun, think big, and relentlessly include each other, all in pursuit of our purpose: Banking - but fairer, more rewarding, and for the good of society. We're committed to creating an inclusive culture where colleagues feel safe and inspired to contribute, speak up and be heard.
As a Disability Confident Leader, we're committed to removing any obstacles to inclusion. If you need any reasonable adjustments or support making your application, contact our Talent Acquisition team
Please note: If we receive a high volume of eligible applications, we may need to prioritise candidates whose skills and experience most closely align with the role, while still ensuring fair and equitable consideration for all applicants.
Now the legal bit
We're in the process of bringing Virgin Money and Nationwide together which, subject to Court approval, will happen on 2 April 2026. You can find out more about what this means at . If you're successful in securing a role with us, your employment will move automatically to Nationwide when this transfer goes ahead.
Although some of our roles allow you to be based anywhere in the UK, we'll need you to confirm you have the right to work in the UK.
If you're successful in securing a role with us, there are some checks you need to complete before starting. These include credit and criminal record checks and three years' worth of satisfactory references. If the role is part of the Senior Manager Regime and Certification Regime, it requires enhanced pre-employment checks - we'll ask for six years of regulatory references, and once in the role, you'll be subject to periodic employment checks.
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