Job Description

SalaryLocation

The Vacancy

Job Title:

Senior Analyst, Portfolio Analytics and Forecasting

Contract Type:

Permanent

Location:

Bradford, Petersfield, Chatham or London

Working Pattern:

Hybrid--typically a couple of days a week in the office. Part-time or 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) enabling 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

The Role:

You and Your Team:

We're looking for a motivated individual to join our team in a role focused on developing and enhancing our forecasting capabilities across Cards, Vehicle Finance, and 2nd Charge Mortgages.


This role plays a key part in supporting the production and monitoring of financial forecasts, helping to build a deeper understanding of the drivers behind variances. You'll work closely with stakeholders to provide data-driven insights into portfolio performance and the impact of strategy changes -- enabling informed decision-making that balances risk and reward.

As a Senior Analyst, Portfolio Analytics and Forecasting, some of the key responsibilities are:

Support in the development of new expected credit loss forecasting models across Cards, Vehicle Finance and Second Charge Mortgage portfolio. Investigation and development of new data sources to be used for analysis and decisioning. Investigate data, find trends, and forecast performance around IFRS9 expected credit losses (ECLs). Provide credit risk portfolio insight into variances against forecasts. Analyse portfolio data and variances to forecasts and contribute to discussion and challenges that help inform the development of policy, scorecards, and strategies. Perform in depth reviews of customer performance, providing insight and giving recommendations for credit strategy updates. Support the wider Portfolio Analytics and Forecasting team with ad hoc portfolio analysis as required. Be 'customer-obsessed' and have the appetite to understand our customers, how they behave, and provide insight that helps the business make decisions that positively impact the customer. 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:

Experience in an analytical role. Proficient in SAS, SQL, or Python. Experience with forecasting and / or explaining ECL variances to budget under IFRS9. Experience in analytical tools such as SAS VA or PowerBI. Ability to interpret data and develop meaningful insight which can support and drive decision-making. Credit Card, Loans or Vehicle Finance experience.


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.


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 1.69 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

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