Senior Credit Risk Strategy Analyst

The Vacancy

Senior Credit Risk Strategy Analyst

Contract Type: Permanent Full Time

Location Bradford, Petersfield or London

Working Pattern: Hybrid—typically one 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

We don't just care about your work, we care about your health, wellbeing and life outside your working hours. That's why we offer we offer flexibility, empathy, and a wide range of resources to help you navigate life's ups and downs and feel your best. We encourage you to take ownership of your work-life blend, support others and make time to prioritise your wellbeing, our benefits include:

• Holidays: 25 days of annual leave (rising to 30 with service), and tailor your time off by buying or selling up to 5 extra days. Plus, with our flexible bank holiday policy, you can swap up to 4 days to celebrate what matters most to you—whether that's skipping Easter or switching up your Christmas plans.

• Pension: We'll boost your future with up to 10% employer contributions—because your tomorrow matters

• Enhanced Leave: Enhanced maternity (post-probation) and 4 weeks paternity leave to paid neonatal and carers leave – we've got your back when it matters most.

• Workations: Why not take your laptop somewhere sunny? Work abroad for up to 20 days a year in approved countries. Yes, really.

• Paid Birthday Leave: Your birthday, your rules—take the day off and celebrate in style

• Volunteering: 2 paid days a year to volunteer for a cause close to your heart.

• Learning & Development: Access to Learning for all colleagues – because your growth matters.

• Financial Wellbeing: Stay on top of your finances with a free Snoop Premium subscription.

• Healthcare: Take care of your wellbeing with our easy self-pay Denplan scheme for dental care and feel confident knowing you can also choose Private Medical Insurance for extra reassurance when it matters most.

The Role

As a Senior Credit Risk Strategy Analyst, you'll play a pivotal role in shaping how we make credit decisions across the full customer lifecycle. Sitting at the intersection of data, technology, and risk, you'll lead the design, testing, and implementation of decisioning strategies that enable responsible lending and sustainable business growth.

This role is perfect for someone with a curious, analytical mind who enjoys solving new problems, thrives in a dynamic environment, and brings a proactive "can-do" attitude. You'll collaborate with IT, Credit, and Data teams to ensure changes are analytically sound, well-governed, and fully compliant with regulatory standards—making a tangible impact on how we manage risk and serve our customers.

You and Your Team

You'll join a high-performing, collaborative team that thrives on tackling complex challenges and driving continuous improvement. We value clear thinking, problem-solving, and initiative—alongside the ability to engage stakeholders and deliver high-quality outcomes. Together, we build scalable, data-driven solutions that support strategic decision-making while upholding governance and compliance standards.

As a Senior Credit Risk Strategy Analyst, you will:

• Lead the design, development, and testing of credit decisioning strategies and system changes across the customer lifecycle.
• Translate business needs into clear requirements, ensuring accurate implementation and full traceability.
• Develop and execute test plans to validate decision logic, system functionality, and data integrity.
• Analyse credit performance trends, providing actionable insights to shape risk management and strategy.
• Deliver clear, engaging MI and dashboards using tools such as Power BI and Excel, tailored to stakeholder needs.
• Define and support data requirements to enable reliable reporting and scalable analytics.
• Build strong relationships across Credit, Product, and Technology teams to ensure aligned, effective delivery.
• Champion continuous improvement in processes, workflows, and governance.
• Mentor junior analysts and share knowledge to strengthen overall team capability.

What We're Looking For

• 3 years'+ experience in data, reporting, or analytics within a Credit Risk or related function.
• Hands-on experience with credit decisioning systems, testing environments, and data validation.
• A problem-solving mindset - able to tackle unfamiliar challenges with curiosity, structure, and resilience.
• Strong communication skills - able to explain complex topics clearly, influence stakeholders, and build trusted relationships.
• Experience mentoring or coaching junior colleagues, with a collaborative, knowledge-sharing approach.
• Proficiency in SQL for data extraction, manipulation, and validation (highly desirable).
• A proactive, self-starter attitude - comfortable working independently while contributing to team goals.

Interview Process

• 15 min call with our Talent Team
• 90 min SQL and Logic translation Test
• 30-45 min competency-based 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. Established in 1880, we're now a FTSE All Share company and leading specialist bank. We lend responsibly, providing tailored products and services to over 1.7 million UK customers. We see ourselves as the bank that's got your back.

Vanquis has been named one of the Financial Times UK's Best Employers 2025, ranking in the top 50 nationwide and seventh in Banking and Financial Services. This recognition is based on independent employee feedback, reflecting our strong workplace culture, career growth opportunities, and commitment to our people. We are proud signatories of the Armed Forces Covenant and actively support the Armed Forces community, including veterans, reservists, and military families.

We take care of our colleagues as well as our customers, we are creating a workplace where everyone feels connected, valued, empowered and rewarded– all guided by our four core values – caring for people, pulling together, finding better ways and getting the right things done.

Rewarding our colleagues goes beyond pay. We're building a culture where everyone feels valued, motivated, and proud. Alongside competitive salaries, we offer meaningful benefits, annual salary reviews, a discretionary bonus scheme and evolving recognition.

We care about your career and ambitions just as much as you do, offering tools, guidance and opportunities to help you grow. Take ownership, stay curious and we'll match your ambition with unique experiences, hands-on learning and tailored development to support your career journey.

Equal Opportunities

Vanquis Bank is an Equal Opportunity Employer. We embrace everyone's unique strengths and identities. No matter your background, identity, or experience, you are welcome here. We believe diversity enriches our teams and helps us better support our customers.

If there's anything we can do to support you during the recruitment process—whether that's a different format of the application or additional assistance—please contact us at

What We Offer

We don't just care about your work, we care about your health, wellbeing and life outside your working hours. That's why we offer we offer flexibility, empathy, and a wide range of resources to help you navigate life's ups and downs and feel your best. We encourage you to take ownership of your work-life blend, support others and make time to prioritise your wellbeing, our benefits include:

• Holidays: 25 days of annual leave (rising to 30 with service), and tailor your time off by buying or selling up to 5 extra days. Plus, with our flexible bank holiday policy, you can swap up to 4 days to celebrate what matters most to you—whether that's skipping Easter or switching up your Christmas plans.
• Pension: We'll boost your future with up to 10% employer contributions—because your tomorrow matters.
• Enhanced Leave: Enhanced maternity (post-probation) and 4 weeks paternity leave to paid neonatal and carers leave – we've got your back when it matters most.
• Workations: Why not take your laptop somewhere sunny? Work abroad for up to 20 days a year in approved countries. Yes, really.
• Paid Birthday Leave: Your birthday, your rules—take the day off and celebrate in style
• Volunteering: 2 paid days a year to volunteer for a cause close to your heart.
• Learning & Development: Access to Learning for all colleagues – because your growth matters.
• Financial Wellbeing: Stay on top of your finances with a free Snoop Premium subscription.
• Healthcare: Take care of your wellbeing with our easy self-pay Denplan scheme for dental care and feel confident knowing you can also choose Private Medical Insurance for extra reassurance when it matters most.

The Benefits

Competitive base salary and rewards

Private Medical Insurance

25 days holiday entitlement

one day accrued for each year of service (max 30 days)

Defined contribution pension scheme

Discretionary bonus scheme

Perks at Work

A perks platform of over 30,000 unique discounts

Volunteering

2 paid days to support a charity of your choice

Flexible, hybrid, & dynamic working policies

Personal & career development opportunities

Monthly and Quarterly Colleague Socials

Discounted gym membership

BUPA GP Service

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