Senior Credit Risk Analyst – Credit Systems

Closing Date: Monday 16 December 2024

Location: Bradford or London

We are happy for you to be based in Bradford or London 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 to 2 days 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

Don’t hesitate to apply for a role even if you don’t meet all the criteria; your unique strengths and eagerness to learn can be just as valuable.

You and Your Team:

As a Senior Credit Risk Data and Systems Analyst, you will be reporting to the Senior Credit Systems Manager. Responsible for the development, implementation, and maintenance of the business’s credit systems data and strategy. Whilst focusing on the implementation and testing of the credit risk strategy within the credit systems and having the opportunity to work on exciting business transformation projects.

In your day-to-day role, as a Senior Credit Risk Analyst you will:

• Translate strategic and system requirements into individual deliverable items using a DevOps framework, including sizing to guide development activities aligned with business priorities and expected benefits.
• Delivering regular management information on credit systems and support investigation of unexpected trends, system bugs & errors to identify root causes.
• Build reporting to continually analyse multiple sources of information including working closely with the strategy & decision science teams to ensure that the credit system and strategy within is fit for purpose and optimised for current and future use case.
• Gathering and defining the requirements for creating insights and deliver it as a coherent story to the senior management.
• Understanding business need and utilise knowledge and commercial awareness to provide direction and oversight on credit reporting including fully documenting the processes.
• Adhere to governance framework and DevOps culture to ensure that development conforms to accepted guidelines and to ensure consistency and focus on highest business priority
• Develop visual reports, KPI’s and dashboards using platforms available (Power BI/Excel)
• Be part of a significant transformation project focused on upgrading business systems, transitioning from SAS to new platforms.
• Self-motivated and independent thinker who can understand the business requirements and improve upon them with their ideas.

What will make you stand out?

• 3+ years credit systems experience covering originations or other customer lifecycle strategy
• 3+ years coding & reporting systems experience, preferably Power BI, SAS, SQL or Python
• Able to delegate responsibility & mentor junior team members.
• Ability to present complex problems.
• Excellent communication skills (written and verbal) with the ability to influence, negotiate and constructively challenge at all levels.
• Ability to operate independently and objectively.

The interview process:

• Up to 30-minute telephone call with a member of the Talent Acquisition team
• Up to 1-hour virtual interview with the hiring manager
• Final interview with the hiring team

Our average process takes up to 4 weeks, but we will always work around your availability. You will have the chance to speak to our recruitment team throughout the process.

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 Talent.Acquisition@vanquis.com

We are proud supporters of Women in Data®.  Connect, engage and belong to the largest free female data community in the UK – visit: www.womenindata.co.uk to join our community.

“Stay connected! Follow us on LinkedIn for updates on career opportunities and more.”