Credit Risk Manager - Portfolio Analysis and Forecasting
Location: Bradford/London
Closing Date: Wednesday 05 February 2025
Contract Type: Permanent | Full-time
Working Pattern: Hybrid—typically 1 to 2 days a week in the office. Flexible arrangements are considered to support work-life balance.
What We Offer:
* Holidays: 25 days holiday up to 30 days (depending on service)
* Pension: We will contribute up to 10%
* Maternity/Paternity: 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:
Join us as a Credit Risk Manager, where you'll lead the charge in delivering comprehensive portfolio credit risk analysis and forecasting. You'll play a key role in developing and implementing advanced forecasting models for credit risk, while enhancing portfolio analysis and reporting to drive informed decision-making.
As a Credit Risk Manager, Portfolio Analysis and Forecasting, you will:
* Portfolio Analysis: Conduct in-depth analysis of the credit card, loans, and vehicle finance portfolios to identify trends, patterns, and risks.
* Loss Forecasting: Develop and implement robust loss forecasting models for each portfolio to accurately predict credit losses.
* Portfolio Performance Monitoring: Monitor and track the performance of the credit card, loans, and vehicle finance portfolios on an ongoing basis.
* Reporting and Presentations: Prepare regular and ad-hoc reports on portfolio performance, credit loss forecasts, and risk metrics.
* Team Leadership: Manage and mentor a team of analysts responsible for portfolio analysis and loss forecasting.
* Stakeholder Collaboration: Collaborate with cross-functional teams to drive effective portfolio management strategies.
What We’re Looking For:
* 5+ years’ experience in portfolio analysis and/or loss forecasting within the consumer credit industry.
* Experience of managing an analytical team.
* Strong analytical and quantitative skills, with proficiency in statistical modelling and data analysis tools (e.g., SAS, R, Python).
* Ability to develop creative solutions to business needs.
* Communication skills to articulate complex ideas to stakeholders.
* Ability to identify appropriate responses to trends in data.
* Degree in numerical / analytical subject.
The interview process:
* 30-minute call with Talent Acquisition.
* 1 hour Teams interview with the hiring team.
* Final interview.
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.
Vanquis Bank is an Equal Opportunity Employer:
Here at Vanquis Banking Group, we embrace everyone’s unique strengths and identities to be themselves at work.
If there’s anything we can do in the recruitment process to help you achieve your best, get in touch.
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