Credit Risk Manager, Cards
Location: Bradford/London/Petersfield
Salary:
'>Closing Date: Friday 14 February 2025
Credit Risk Strategy Manager, Cards (12 Months FTC)
Contract Type: Contract - 12 months | Full-time
Location: London, Bradford or Petersfield. Occasional travel to other offices may be required.
Working Pattern: Hybrid-typically 1 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:
Responsible for the development, implementation and ongoing monitoring of credit risk strategies for Card Acquisitions, providing clear recommendations on how best to drive positive customer and business outcomes.
As a Credit Risk Manager, you will:
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 1.75 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. '>We're about more than financial rewards though. We give everyone a voice in the business and room to be their authentic self. And we know you're here to build your career, so we help every colleague with training and development opportunities. Making sure there's always something new to learn. '>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. 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 we're here in the first place: to help put people on a path to a better everyday life. '>If there's anything we can do in the recruitment process to help you achieve your best, get in touch. Whether it's a copy of our application form in another format or additional assistance, we're available to help. You can contact us at careers@vanquis.com height: 30px;'>
Location: Bradford/London/Petersfield
Salary:
'>Closing Date: Friday 14 February 2025
Credit Risk Strategy Manager, Cards (12 Months FTC)
Contract Type: Contract - 12 months | Full-time
Location: London, Bradford or Petersfield. Occasional travel to other offices may be required.
Working Pattern: Hybrid-typically 1 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:
- 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
Responsible for the development, implementation and ongoing monitoring of credit risk strategies for Card Acquisitions, providing clear recommendations on how best to drive positive customer and business outcomes.
As a Credit Risk Manager, you will:
- Establishing a credit risk framework - incorporating risk monitoring and feedback processes - to ensure appropriate decisioning for both customers and the business within the Group's risk appetite
- Driving the optimisation of lending decisions through test and learn initiatives to identify champion strategies for new customers
- Investigating and developing new data sources to be used for analysis and decisioning
- Influencing stakeholders across the Group - ranging from peers to Senior Management - to gain buy-in and support to deliver change as required
- Supporting business growth and portfolio profitability - ensuring a balance between risk, reward and responsible lending - while controlling credit quality and performance
- Providing colleagues with opportunities to succeed, devoting dedicated time to empowering people through coaching, mentoring and sharing expertise and knowledge
- Presenting clear and concise results (both written and verbal) using aggregated data, highlighting key trends, opportunities/risks and recommendations
- Liaising closely with commercial teams to provide recommendations that enhance decisioning, for the objective of improving both customer and business outcomes
- Driving continuous improvement of credit risk strategies for Credit Cards, supporting strategic objectives for growth while minimising impairment and conduct risks
- Credit Risk experience - in consumer credit, preferably specialising in Cards
- Strong numerical capability with experience in converting analytical information into a business narrative through strong commercial acumen
- Communication - ability to articulate complex ideas to stakeholders in order to influence or persuade
- Problem solving - finding innovative ways to address issues or risks identified, or discovering opportunities to enhance existing strategies
- Management - Experience of managing an analytical team, prioritising activities while providing strategic direction and maintaining motivation through coaching and colleague development
- Keeps up to date with latest regulatory and macro-economic developments and trends
- Degree in numerical / analytical subject is desirable
- 30-minute call with Talent Acquisition
- 1 hour competency based 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. 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 1.75 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. '>We're about more than financial rewards though. We give everyone a voice in the business and room to be their authentic self. And we know you're here to build your career, so we help every colleague with training and development opportunities. Making sure there's always something new to learn. '>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. 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 we're here in the first place: to help put people on a path to a better everyday life. '>If there's anything we can do in the recruitment process to help you achieve your best, get in touch. Whether it's a copy of our application form in another format or additional assistance, we're available to help. You can contact us at careers@vanquis.com height: 30px;'>