Job Description

SalaryLocation

The Vacancy

Senior Credit Risk Analyst, Originations

Contract Type:

Permanent Full Time

Location:

Bradford, Petersfield or London





Working Pattern: Hybrid--typically one to two days a week in the office. Flexible arrangements are considered to support 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.

What We Offer

We don't just care about your work, we care about your health, wellbeing and life outside your working hours. That's why we offer we offer flexibility, empathy, and a wide range of resources to help you navigate life's ups and downs and feel your best. We encourage you to take ownership of your work-life blend, support others and make time to prioritise your wellbeing, our benefits include:

Holidays: 25 days of annual leave (rising to 30 with service), and tailor your time off by buying or selling up to 5 extra days. Plus, with our flexible bank holiday policy, you can swap up to 4 days to celebrate what matters most to you--whether that's skipping Easter or switching up your Christmas plans. Pension: We'll boost your future with up to 10% employer contributions--because your tomorrow matters Enhanced Leave: Enhanced maternity (post-probation) and 4 weeks paternity leave to paid neonatal and carers leave - we've got your back when it matters most. Workations: Why not take your laptop somewhere sunny? Work abroad for up to 20 days a year in approved countries. Yes, really. Paid Birthday Leave: Your birthday, your rules--take the day off and celebrate in style! Volunteering: 2 paid days a year to volunteer for a cause close to your heart. Learning & Development: Access to LinkedIn Learning for all colleagues - because your growth matters. Financial Wellbeing: Stay on top of your finances with a free Snoop Premium subscription. Healthcare: Take care of your wellbeing with our easy self-pay Denplan scheme for dental care and feel confident knowing you can also choose Private Medical Insurance for extra reassurance when it matters most.

The Role

Are you passionate about turning data into powerful business decisions? At Vanquis we're looking for a

Senior Credit Risk Analyst

to lead the charge in shaping the future of our New Business Strategies. In this pivotal role, you'll harness data-driven insights to design, implement, and continuously refine strategies that drive smart, responsible growth.


You'll become a subject matter expert in new business originations--diving deep into every aspect of decisioning and customer interaction. From the first touchpoint to final approval, your analytical expertise will ensure we strike the perfect balance between risk and opportunity.


With a strong focus on regular reporting and performance monitoring, you'll ensure our risk strategies remain sharp, effective, and aligned with our business goals. If you're ready to make a measurable impact in a dynamic, data-rich environment, this is your opportunity to lead with insight and innovation.



As a

Senior Credit Risk Analyst,

you will:



Develop expert understanding of new business originations, including all aspects of decisioning and customer touch points. Regular reporting & monitoring to ensure risk strategies are effective. Support the optimisation of lending decisions through test and learn initiatives to identify champion strategies. 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. Deliver complex analytical/data driven projects fully incorporating Customer and business implications throughout. Support the automation of MI and processes to maximise integration, effectiveness and efficiency.

What We're Looking For

2+ years' experience in an analytical role, within a Credit Risk environment. Experience of strategy optimisation or scorecard cut-off setting. Excellent communication skills, written and verbal. Experience working to a high level of detail and accuracy. Knowledge of Consumer Lending products such as Credit cards, Loans or Vehicle Finance.
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. Established in 1880, we're now a FTSE All Share company and leading specialist bank. We lend responsibly, providing tailored products and services to over 1.7 million UK customers. We see ourselves as the bank that's got your back.


Vanquis has been named one of the Financial Times UK's Best Employers 2025, ranking in the top 50 nationwide and seventh in Banking and Financial Services. This recognition is based on independent employee feedback, reflecting our strong workplace culture, career growth opportunities, and commitment to our people. We are proud signatories of the Armed Forces Covenant and actively support the Armed Forces community, including veterans, reservists, and military families.


We take care of our colleagues as well as our customers, we are creating a workplace where everyone feels connected, valued, empowered and rewarded- all guided by our four core values - caring for people, pulling together, finding better ways and getting the right things done.


Rewarding our colleagues goes beyond pay. We're building a culture where everyone feels valued, motivated, and proud. Alongside competitive salaries, we offer meaningful benefits, annual salary reviews, a discretionary bonus scheme and evolving recognition.


We care about your career and ambitions just as much as you do, offering tools, guidance and opportunities to help you grow. Take ownership, stay curious and we'll match your ambition with unique experiences, hands-on learning and tailored development to support your career journey.

Equal Opportunities

Vanquis Bank is an Equal Opportunity Employer. We embrace everyone's unique strengths and identities. No matter your background, identity, or experience, you are welcome here. We believe diversity enriches our teams and helps us better support our customers.


If there's anything we can do to support you during the recruitment process--whether that's a different format of the application or additional assistance--please contact us at careers@vanquis.com.

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