Credit Risk Manager, Portfolio Analysis and Forecasting Contract Type: Permanent| Full-time Location: London or Bradford. Occasional travel to other offices may be required. Working Pattern: Hybridtypically 1 to 2 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: 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 Dont hesitate to apply for a role even if you dont meet all the criteria; your unique strengths and eagerness to learn can be just as valuable. 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. Utilize statistical models and data analytics techniques to gain insights into portfolio performance, credit quality, and risk exposure. Loss Forecasting : Develop and implement robust loss forecasting models for each portfolio to accurately predict credit losses. Collaborate with risk management and finance teams to ensure the accuracy and integrity of loss forecasting methodologies. Portfolio Performance Monitoring: Monitor and track the performance of the credit card, loans, and vehicle finance portfolios on an ongoing basis. Identify areas of improvement and recommend strategies to optimize portfolio performance, including credit risk mitigation, pricing adjustments, and product enhancements. Reporting and Presentations: Prepare regular and ad-hoc reports on portfolio performance, credit loss forecasts, and risk metrics. Present findings and recommendations to senior management, stakeholders, and regulatory bodies as needed. Team Leadership: Manage and mentor a team of analysts responsible for portfolio analysis and loss forecasting. Provide colleagues with opportunities to succeed, devoting dedicated time to empowering people through coaching, mentoring and sharing expertise and knowledge Stakeholder Collaboration: Collaborate with cross-functional teams, including finance, risk management, product development, and operations, to drive effective portfolio management strategies. Build strong relationships with internal stakeholders to ensure alignment of goals and effective execution of initiatives. What Were Looking For: Essential: 5 years experience in portfolio analysis and/or loss forecasting within the consumer credit industry. Experience of managing an analytical team, prioritising activities while providing strategic direction and maintaining motivation through coaching and colleague development. 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, implementing credit loss forecasts across several business platforms Communication, ability to convert analytical information into a business narrative, and articulate complex ideas to stakeholders in order to influence or persuade, through delivering key messages with impact when required. Ability to identify appropriate responses to trends in data and formulate actions and forecasts accordingly. Desirable: 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 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. ADZN1_UKTJ