Senior Credit Risk Analyst, Collections

Senior Credit Risk Analyst, Collections

Contract Type:
Permanent | Full Time

Location:

Bradford, Chatham, Petersfield or London

Working Pattern:
Hybrid (usually one day a week in the office). We welcome part‑time and flexible arrangements and will aim to match your current flexibility where possible.

• Holidays: 25 days (rising to 30) + buy/sell up to 5 days + swap up to 4 bank holidays.
• Pension:
  Up to 10% employer contribution.
• Enhanced Leave:
  Enhanced maternity (post‑probation), 4 weeks’ paternity, and paid neonatal & carers leave.
• Workations:
  Work abroad for up to 20 days a year in approved countries.
• Birthday Leave:
  Your birthday off-paid.
• Volunteering: 2 paid volunteering days.
• Learning:
  Access to Linked In Learning for all colleagues.
• Financial Wellbeing:
  Free Snoop Premium subscription.
• Healthcare:
  Self‑pay Denplan & optional Private Medical Insurance.

We're on the hunt for a Senior Credit Risk Analyst to join our forward‑thinking Collections team, where innovation meets impact. This isn't just about crunching numbers—it’s about shaping smarter strategies for Credit Cards and Vehicle Finance. You'll lead test‑and‑learn initiatives, refine decision‑making frameworks, and champion cutting‑edge credit risk practices that drive real business results. If you thrive at the intersection of data science and business strategy, this is your chance to make a tangible difference.

You'll be joining a passionate, collaborative team that's transforming the way we approach Collections. We're curious, data‑driven, and always looking for smarter ways to deliver customer and business benefits. Our culture is built on innovation, continuous learning, and challenging the status quo—because we believe the best ideas come from those who dare to think differently. Together, we're shaping strategies that matter.

• Drive the optimisation of Collections decisions through test and learn initiatives to identify champion strategies.
• Evaluate the quality of the data, and communicate any issues with interpretation of subsequent analyses.
• Support research into the adoption of new credit risk tools, data sources, regulatory change and technical developments.
• Evaluate the business impact of proposed new strategy developments to tie back cost and benefit to the P&L.
• Support the regular reporting and monitoring required ensuring that all strategies are performing, and movements are understood.
• Support the wider existing customer team where strategies overlap and on occasion where priority necessitates.
• Perform inquisitive and innovative analysis and provide logical recommendations resulting in customer and/or business benefits.
• Responsible for automating and streamlining processes to maximise integration, effectiveness and efficiency.

• Experience in an analytical role, within a collections or Credit Risk environment.
• Experience with decisioning systems.
• Exceptional quantitative skills including credit analytics.
• Coding skills with SAS/SQL/Python or similar software.
• Experience in Credit Analytics.
• Good influencing and communication skills.
• Challenges conventional approaches.
• Experience of strategy optimisation.

Offers are subject to standard background checks (credit, fraud and employment references).

At Vanquis, our purpose is simple: to deliver caring banking that helps people make the most of life’s opportunities. Founded in 1880, we’re now a FTSE All Share specialist bank supporting over 1.7 million UK customers with responsible, tailored lending.

We’re proud to be certified as a Great Place to Work and recognised by the Financial Times as one of the UK’s Best Employers 2025—ranked top 50 nationwide and seventh in Banking & Financial Services.

We’re also proud signatories of the Armed Forces Covenant, actively supporting veterans, reservists and military families.

Guided by our values—caring for people, pulling together, finding better ways and getting the right things done—we’re building a workplace where colleagues feel connected, valued and empowered. Alongside competitive pay, we offer meaningful benefits, salary reviews, a discretionary bonus scheme and continued recognition.

We’re invested in your development too. With the right support and hands‑on learning, you’ll grow your skills, shape your career and realise your ambitions.

We use AI to help organise applications and surface early matches, but all decisions are made by humans. Please apply authentically—especially during interviews.

Vanquis Bank is an Equal Opportunity Employer. We value everyone’s unique background, identity and experience, and we’re committed to a workplace where all colleagues can thrive.

If you need any adjustments or support during the recruitment process, please contact  and we’ll be happy to help.