Job Description

Business Unit: Group Customer Experience
Salary Range: \xc2\xa324,400 - \xc2\xa330,500 per annum DOE + red-hot benefits
Location: Remote - work from anywhere within the UK

Get ready to Live a Life More Virgin

So, what will the Credit Strategy Analyst do?

Collections and Custom Support Credit Strategy are responsible for ensuring we effectively manage customers who present a risk to the Bank, protecting the asset quality of our portfolios and supporting customers who may be experiencing difficulty. This involves managing, maintaining and optimising Credit Strategies, monitoring of key metrics, involvement in business-wide projects and pro-active communication across the business.

What you\'ll be doing

• Provide input into the scoping, design, development and implementation of credit risk strategies, shaping new strategies whilst maintaining regulatory compliance
• Deliver insightful MI and commentary on portfolio performance against business plans, forecasts and risk appetite
• Monitor the performance of the business and provide early warning of adverse risk trends including new and emerging risks
• Use MI to monitor credit metrics of both new and existing business, including making recommendations for changes to manage emerging risks and the identification of new opportunities
• Promote and represent the team in cross-business projects and meetings
• Develop improvements in processes used across the team to generate further efficiencies in team delivery
• Manage and prioritise own workloads to align work and deliver to priorities defined from management
• Ensure full compliance with all internal and external legal and regulatory obligations
• Placing customers (internal and external) at the heart of decision making, ensuring that Credit Risk and wider VM business colleagues are customer focussed and committed to achieving the right outcomes for customers and for VM

We need you to have

• The ability to analyse and interpret data, showing a logical approach to problem solving in relation to both business and technical issues
• Experience at using Microsoft Office (Excel, Word & Powerpoint)
• Reporting, writing and presentation skills
• Good understanding of credit risk management in consumer finance
• A passion about data analysis, with a methodical approach and high attention to detail
• Good communication skills with the ability to convey information to a range of audiences.

It\'s a bonus if you have but not essential

• Experience of collections strategy development
• A business/numerate degree and/or equivalent relevant technical experience
• SAS / SQL coding experience

Just to flag

Not sure you\'ve all the skills? That\'s okay - still apply as we value passion and potential so tell us why you\'d be great in your application.

Red Hot Rewards

• Generous holidays - 38.5 days annual leave (including bank holidays and prorated if part-time)\xe2\x80\x8b plus the option to buy more
• Up to five extra paid well-being days per year\xe2\x80\x8b
• 20 weeks paid, gender-neutral family leave (52 weeks in total) for expectant parents and those looking to adopt
• Market-leading pension and free private medical cover
• Flexible benefits include Cycle to Work, wellness and health assessments, and critical illness
• Ability to work anywhere in the UK\xe2\x80\x8b (where the role allows)

And there\'s no waiting around, you\'ll enjoy these benefits from day one.

Feeling insatiably curious about this role? Apply as soon as you can. If we\'re lucky to receive a lot of interest, we may close the advert early and would hate you to miss out.

We\'re all about helping you Live a Life More Virgin, so happy to talk flexible working with you.

Say hello to Virgin Money
We\'re making great strides towards achieving our ambition of becoming the UK\'s best digital bank. As a full-service digital bank with a heritage stretching back over 180 years, we`re a workforce to be reckoned with. We\'re putting the full power of our experience behind disruptive ideas that reinvent the role a bank plays in people\'s lives. We strive to create positive experiences for our millions of customers and our purpose, \'Making You Happier About Money\', underpins everything we do. We believe in doing banking differently, innovating and working together to make a real difference. Join us and Live a Life More Virgin that empowers you with choice and flexibility in how you work.

Be yourself at Virgin Money
Our purpose is to make people happier about money, this means seeing and feeling the world as our customers do by creating a workforce that reflects the rich diversity of our customers and communities. We\'re committed to creating an inclusive culture where colleagues feel safe and inspired to contribute, speak up and be heard.

As a Disability Confident Leader, we\'re committed to removing any obstacles to inclusion. If you need any reasonable adjustments or support making your application, contact our Talent Acquisition team

Now the legal bit
Living A Life More Virgin allows our colleagues to be based anywhere in the UK (if the role allows it), but we\'ll need you to confirm you have the right to work in the UK.

If you\'re successful in securing a role with us, there are some checks you need to complete before starting. These include credit and criminal record checks and three years\' worth of satisfactory references. If the role is part of the Senior Manager Regime and Certification Regime, it requires enhanced pre-employment checks - we\'ll ask for six years of regulatory references, and once in the role, you\'ll be subject to periodic employment checks.

Advertised: 22 Sep 2023 GMT Daylight Time
Applications close: 01 Oct 2023 GMT Daylight Time

Virgin Money