Senior Credit Risk Analyst, Originations at Vanquis – Bradford, England, United Kingdom

Job Description

Working Pattern: Hybrid—typically one to two 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.

The Role

Are you passionate about turning data into powerful business decisions? At Vanquis we’re looking for a Senior Credit Risk Analyst to lead the charge in shaping the future of our New Business Strategies. In this pivotal role, you’ll harness data-driven insights to design, implement, and continuously refine strategies that drive smart, responsible growth.

You’ll become a subject matter expert in new business originations—diving deep into every aspect of decisioning and customer interaction. From the first touchpoint to final approval, your analytical expertise will ensure we strike the perfect balance between risk and opportunity.

With a strong focus on regular reporting and performance monitoring, you’ll ensure our risk strategies remain sharp, effective, and aligned with our business goals. If you’re ready to make a measurable impact in a dynamic, data-rich environment, this is your opportunity to lead with insight and innovation.

As a Senior Credit Risk Analyst, you will:

• Develop expert understanding of new business originations, including all aspects of decisioning and customer touch points.

• Regular reporting & monitoring to ensure risk strategies are effective.

• Support the optimisation of lending decisions through test and learn initiatives to identify champion strategies.

• Support business growth and portfolio profitability while ensuring a balance between risk, reward and responsible lending, and controlling credit quality and performance.

• 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.

• Deliver complex analytical/data driven projects fully incorporating Customer and business implications throughout.

• Support the automation of MI and processes to maximise integration, effectiveness and efficiency.

What We’re Looking For

• 2+ years’ experience in an analytical role, within a Credit Risk environment.

• Experience of strategy optimisation or scorecard cut-off setting.

• Excellent communication skills, written and verbal.

• Experience working to a high level of detail and accuracy.

• Knowledge of Consumer Lending products such as Credit cards, Loans or Vehicle Finance.

Offers are subject to satisfactory background checks, including credit, fraud, and employment references.