Lead Credit Risk Analyst, Vehicle Finance Contract Type: Permanent | Full-time Location: Bradford, London, Chatham or Petersfield. Occasional travel to other offices may be required. Working Pattern: Hybridtypically 1 day 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: Holidays: 25 days holiday up to 30 days (depending on service) Pension: We know it is important to save for the future, that is why we will contribute up to 10% Maternity/Paternity: We realise that family time is important, we offer 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 Finance: Snoop Premium available to all colleagues 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 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 to be used for analysis and decisioning Support business growth and portfolio profitability while ensuring a balance between risk, reward and responsible lending, and controlling credit quality and performance Drive the optimisation of lending decisions through test and learn initiatives to identify champion strategies 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 Devise, initiate and deliver complex analytical/data driven projects fully incorporating Customer and business implications throughout Define analytical project phases, success criteria and timescales and drive projects through to implementation, managing the full project from end to end Oversee and peer-review team changes, mentor Analysts/Senior Analysts, direct daily work without formal management duties Deputise for manager as and when required What Were 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. Your expertise will be essential in understanding customer needs and optimising lending strategies. We are looking for candidates who meet the following criteria: A minimum of 5 years' experience in an analytical role within consumer credit, with specific exposure to vehicle finance or other secured lending products preferred 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 and shape business strategy The interview process: Up to 30minute 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 lifes opportunities. Established in 1880, were 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. That means competitive salaries, benefits, and a Group-wide recognition scheme. Everyone can enrol in our pension and after six months, you can join our Buy As You Earn scheme. Were about more than financial rewards though. We give everyone a voice in the business and room to be their authentic self. And we know youre here to build your career, so we help every colleague with training and development opportunities. Making sure theres always something new to learn. Vanquis Bank is an Equal Opportunity Employer : Here at Vanquis Banking Group, we embrace everyones 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 were here in the first place: to help put people on a path to a better everyday life. If theres anything we can do in the recruitment process to help you achieve your best, get in touch. Whether its a copy of our application form in another format or additional assistance, were available to help. ADZN1_UKTJ