Commercial Planning Manager (Unsecured Lending) Location: London, Petersfield, Bradford, Chatham Closing Date: Tuesday 11 February 2025 Were Vanquis Banking Group plc, a 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. Lending responsibly and acting responsibly has always been at the centre of everything we do. Whats more, helping to aid financial inclusion and social mobility for our customers and the communities they live in, is a big part of why were here. We offer credit cards and loans as Vanquis, Vehicle Finance as Moneybarn and through the award-winning fin-tech brand Snoop, our group provides people with a free credit score and personalised insights to help them better manage and understand their finances. All our credit products are delivered online and are built with customer flexibility in mind. We have a great team of colleagues working in our call centres and offices to support our customers and the development of more products to help meet their needs. Our purpose is simple: to deliver caring banking so our customers can make the most of lifes opportunities. Role purpose Responsible for delivering accurate, insightful, and actionable forecasts to drive strategic decision-making across the Unsecured Lending Product & Commercial function. This individual will play a pivotal role in aligning credit card product performance with the companys financial objectives, ensuring a balance between growth and risk, and driving sustainable profitability. Key Responsibilities 1. Forecasting and Planning Develop and maintain detailed financial and volume forecasts for key metrics such as customer acquisition, portfolio growth, revenue, and cost of acquisition. Create scenario models to support the strategic planning process, incorporating external market trends and internal business drivers. Deliver monthly, quarterly, and annual forecasts, ensuring alignment with company objectives. 2. Data Analysis and Insights Analyse historical data to identify trends, risks, and opportunities in the portfolios performance. Provide clear and actionable insights to senior stakeholders to inform product development, pricing, customer value management and marketing strategies. Monitor and evaluate key performance indicators (KPIs) across the credit card portfolio to ensure targets are met. 3. Collaboration with Stakeholders Work closely with Product, Risk, Marketing, and Finance teams to align forecasting models with broader business objectives. Support commercial strategy development through data-driven recommendations and performance evaluations. Act as a key point of contact for senior leadership on forecasting-related queries and presentations. 4. Market and Risk Assessment Stay informed about macroeconomic trends, regulatory changes, and competitor activities that could impact the mid to high-risk credit card market. Collaborate with Risk and Compliance teams to incorporate risk tolerances and regulatory requirements into forecasts. 5. Model Development and Enhancement Build, maintain, and enhance robust forecasting models Identify and implement improvements to forecasting methodologies to increase accuracy and reliability. Leverage advanced tools and technologies to optimize forecasting processes. What you bring to the team Proven experience in a forecasting, financial planning, or analytics role, ideally within financial services. In-depth knowledge of the UK credit card market. Proficiency in data analysis tools (e.g., SQL, Tableau, Power BI) and statistical software. Experience working within a regulated environment and knowledge of FCA guidelines. Ability to build and maintain strong relationships with internal and external stakeholders up to ExCo level. Demonstrated ability to drive financial performance and achieve business targets Location: London, Bradford, Petersfield or Chatham Benefits: 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 competitivesalaries, discretionary annual bonus, 25 days holiday up to 30 days (depending on service), pension scheme with matched company contributions up to 10%, 1 paid day to give back benefits, and a Group wide recognition scheme. All colleagues are eligible to join a pension scheme, and, after six months service, youcan join our Save as you Earn and 'Buy as you Earn' schemes. We offer a range of training and development opportunities to help each of our colleaguesmaximise their potential, whatever their role. From your first day working with us, well help you settle into your new role and are happyto talk to you about your career aspirations. Working Pattern: Our working style is hybrid, but we recognise the importance of collaborative working with our working with our colleagues often 2 days per week in one of our offices. More office-based working may be required during project rollouts or when we have a higher number of users in the office. What to expect next: 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. Equal Opportunity Statement 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, its 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. ADZN1_UKTJ