The Vacancy
Credit Risk Manager, Portfolio Analysis
Contract Type: Permanent ¦ Full Time
Location: Bradford, Petersfield or London
Working Pattern: Hybrid-typically a couple of days a week in the office. Part time and 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:
As the Credit Risk Manager for Portfolio Analysis, reporting directly to the Head of Portfolio Analysis and Forecasting, you will play a key role in delivering comprehensive credit risk analysis across Cards, Vehicle Finance, and Second Charge Mortgages. You'll drive the development and enhancement of portfolio analysis, reporting, and provide valuable insights into collections and recoveries, ensuring optimal risk management strategies.
As a Credit Risk Manager, you will:
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.
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. Our dedication to making a real difference for customers and supporting our colleagues remains at the heart of what we do.
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
The Company
At Vanquis, we've been empowering lives since 1880. As a FTSE All Share company and leading specialist bank, we lend responsibly to over 1.75 million UK customers.
We're just as committed to our colleagues as we are to our customers, offering competitive salaries, comprehensive benefits, and recognition schemes. With pension plans, our 'Buy as You Earn' scheme, and ongoing training opportunities, we create a supportive environment where you can grow and thrive.
Bring your authentic self, find your voice, and build your career with us-because at Vanquis, we believe in making the most of life's opportunities.
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
Workplace Gallery
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Credit Risk Manager, Portfolio Analysis
Contract Type: Permanent ¦ Full Time
Location: Bradford, Petersfield or London
Working Pattern: Hybrid-typically a couple of days a week in the office. Part time and 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
- Workations: opportunity to work abroad 20 days a year (approved list of countries) enable you to visit family and friends or extend your trip
- 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
- Opportunities to connect: via quarterly socials, in-person and virtual company updates
- Medical: Opportunity to opt in for Private Medical Insurance
- Bonus: Discretionary annual bonus
As the Credit Risk Manager for Portfolio Analysis, reporting directly to the Head of Portfolio Analysis and Forecasting, you will play a key role in delivering comprehensive credit risk analysis across Cards, Vehicle Finance, and Second Charge Mortgages. You'll drive the development and enhancement of portfolio analysis, reporting, and provide valuable insights into collections and recoveries, ensuring optimal risk management strategies.
As a Credit Risk Manager, 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.
- 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.
- 5+ years' experience in portfolio analysis within the consumer credit industry.
- Knowledge of credit card, loans, and vehicle finance products and associated risk factors preferred.
- 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).
- Communication - ability to convert analytical information into a business narrative, and articulate complex ideas to stakeholders to influence or persuade, through delivering key messages with impact when required.
- Problem solving - finding innovative ways to address issues or risks identified
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.
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. Our dedication to making a real difference for customers and supporting our colleagues remains at the heart of what we do.
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
The Company
At Vanquis, we've been empowering lives since 1880. As a FTSE All Share company and leading specialist bank, we lend responsibly to over 1.75 million UK customers.
We're just as committed to our colleagues as we are to our customers, offering competitive salaries, comprehensive benefits, and recognition schemes. With pension plans, our 'Buy as You Earn' scheme, and ongoing training opportunities, we create a supportive environment where you can grow and thrive.
Bring your authentic self, find your voice, and build your career with us-because at Vanquis, we believe in making the most of life's opportunities.
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
Workplace Gallery
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