Lead Analyst, Portfolio Analytics

The Vacancy

Lead Analyst, Portfolio Analytics

Contract Type: PermanentFull 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 Lead Analyst, Portfolio Analytics, you’ll play a pivotal role in shaping our business strategy by delivering comprehensive portfolio monitoring and actionable insights across Cards, Vehicle Finance, and 2nd Charge Mortgages. You’ll be responsible for developing and optimizing Management Information reporting suites, analysing customer behaviours, and using advanced analytics to identify trends, risks, and opportunities. Your work will directly influence credit strategy, risk appetite, and operational decisions, ensuring we balance risk and reward while always putting the customer first.

You and your Team

You’ll be joining a collaborative, high-performing team that thrives on sharing knowledge and driving continuous improvement. Working closely with the Portfolio Analytics and Forecasting Manager, Credit Risk Strategy Managers, and colleagues across risk, finance, and product, you’ll be part of a supportive environment where your analytical skills and curiosity are valued. We’re passionate about understanding our customers and making data-driven decisions that deliver positive outcomes.

As a Lead Analyst, Portfolio Analytics, you will:

• Perform in depth reviews of customer performance, providing valuable insight and giving recommendations for credit strategy updates.
• Analyse portfolio data and variances to forecasts and lead on discussions and challenges that help inform the development of policy, scorecards, and strategies.
• Lead data-driven proposals to define appropriate Risk Appetite Metrics, taking measured credit risk in pursuit of strategic objectives and monitoring exposures on an ongoing basis ensuring appropriate thresholds are set.
• Build a robust reporting framework to support the Credit Risk forecasting models for key portfolios (e.g., credit cards, loans, vehicle finance) to predict trends, risks, and opportunities.
• Investigation and development of new data sources to be used for analysis working with stakeholders across project and transformational change programs.
• Use statistical models and advanced data analytics techniques to provide actionable insights into portfolio performance, risk exposure, and credit quality.
• Regularly track and assess portfolio performance, using forecasting data to inform operational strategies and explain deviations from forecasts where necessary.
• Ensure compliance with policies, procedures and external regulatory frameworks and ensure that the principles of responsible lending are upheld in line with the Group’s Responsible Lending Policy.

What We’re Looking For

• 3+ years’ experience in data analytics, portfolio analysis, or a related field within the consumer credit industry.
• Strong background in Consumer Lending performance monitoring, with knowledge of IFRS9 impairments is highly beneficial.
• Strong background using advanced analytics tools (e.g., SAS, R, Python).
• Proven ability to succeed in an analytical team, prioritizing tasks and delivering strategic guidance.
• Skilled at turning complex data into clear business insights and communicating results to non-technical audiences.
• Strong attention to detail and a passion for accuracy in performance monitoring and delivering insight.

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 [email protected].

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

Workplace Gallery

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