Senior Credit Decision Systems Analyst

Senior Credit Decision Systems AnalystContract Type: Permanent Full Time Location: Bradford London and Petersfield Working Pattern:Hybrid (usually a couple of days a week in the office). We welcome part-time and flexible arrangements and will aim to match your current flexibility where We OfferWe care about your wellbeing not just your work. Our benefits are designed to support your life your health and your growth:Holidays: 25 days (rising to 30) buy/sell up to 5 days swap up to 4 bank : Up to 10% employer Leave: Enhanced maternity and 4 weeks paternity from day-one shared parental leave paid neonatal care leave and support for adoption and surrogacy Fertility Support: Paid time off for fertility treatment and appointments available to birth parents and partners with confidential support and flexible adjustments where needed Workations: Work abroad for up to 20 days a year in approved Leave: Your birthday : 2 paid volunteering : Access to LinkedIn Learning for all Wellbeing: Free Snoop Premium : Self-pay Denplan & optional Private Medical RoleAs a Senior Credit Decision Systems Analyst youll play a pivotal role in shaping how credit decisions are designed tested and delivered across the customer lifecycle with a particular focus on origination platforms cards and onboarding journeys. Youll lead the development and testing of robust decisioning strategies translating credit policy into scalable wellgoverned system solutions that balance commercial outcomes with responsible lending and regulatory expectations. Using strong analytical skills youll investigate credit performance deliver clear MI and dashboards and help drive continuous improvement across data reporting and decisioning infrastructure. Youll also influence key system changes and mentor junior analysts contributing handson to the evolution of our datadriven decisioning and your TeamYoull join a collaborative highperforming team at the heart of credit decisioning working closely with Credit Risk IT Data Product and Governance colleagues. The team values strong analytical thinking attention to detail and proactive problemsolving with a culture built on knowledge sharing agile delivery and continuous improvement. Together youll work in a fastpaced deliveryfocused environment fostering strong stakeholder relationships and a DevOps mindset to ensure solutions are well designed well controlled and effectively implemented. Supported by experienced peers and leaders youll have the opportunity to grow your impact while helping to build capability across the wider a Senior Credit Decision Systems Analystyou will:Lead the design development and testing of credit decisioning strategies and system changes across the customer with IT data and credit teams to define and document business requirements ensuring accurate implementation and and execute test plans to validate decision logic system functionality and data integrity ensuring alignment with governance and regulatory and investigate credit performance trends providing actionable insights to support risk management and strategic clear concise management information (MI) and dashboards using tools such as Power BI and Excel tailored to stakeholder and support data infrastructure requirements to enable scalable and reliable reporting and strong stakeholder relationships across Credit Product and Technology teams to ensure alignment and effective to continuous improvement of processes and workflows promoting a DevOps culture and adherence to governance junior analysts and support cross-functional knowledge sharing to build team Were Looking For3 years experience working with data reporting or analytics within a Credit Risk or related understanding of credit decisioning systems and consumer credit risk ideally gained within subprime digital or online lending environments. Demonstrated experience testing and validating credit strategies decision logic and system changes within a robust governance and control framework. Solid knowledge of corporate governance risk controls and regulatory expectations relating to credit risk and system development. Experience working within agile delivery environments with an understanding of DevOps principles continuous improvement and crossfunctional collaboration. Advanced analytical and quantitative skills with the ability to interpret complex data and translate insights into clear actionable outcomes. Proven ability to plan prioritise and manage workload effectively in a fastpaced deliveryfocused environment. Strong stakeholder engagement skills with confidence working across Credit Product and Technology teams to gather requirements share insights and drive delivery. Highly analytical and detailoriented approach to problem solving with the ability to interpret complex system logic and validate decisioning outcomes against business and governance We HireWe use AI to help organise applications and surface early matches but all decisions are made by humans. Please apply authentically especially during you need assistive technology or reasonable adjustments (including the use of AI tools) please let the Talent Acquisition team know in advance and well be happy to support you. Where we have reason to believe AI has been used inappropriately we reserve the right to withdraw a candidate from the recruitment -Employment Checks; Any offer made will be subject to standard background checks including credit fraud and employment references. Due to the regulated nature of our business additional checks may apply. Who we areAt Vanquis our purpose is simple: to deliver caring banking that helps people make the most of lifes opportunities. Founded in 1880 were now a FTSE All Share specialist bank supporting over 1.7 million UK customers with responsible tailored proud to be certified by Great Place to Work recognised as one of the Financial Times UKs Best Employers in 2025 and 2026 and awarded Bronze status under the Armed Forces Covenant. Taken together these achievements reflect our genuine commitment to putting our people first and supporting those who by our values caring for people pulling together finding better ways and getting the right things done were building a workplace where colleagues feel connected valued and empowered. Alongside competitive pay we offer meaningful benefits salary reviews a discretionary bonus scheme and continued invested in your development too. With the right support and hands-on learning youll grow your skills shape your career and realise your OpportunitiesVanquis Bank is an Equal Opportunity Employer. We value everyones unique background identity and experience andwere committed to a workplace where all colleagues can thrive. If you need any adjustments or support during the recruitment process please contact and wellbe happy to help.

Required Experience:

Senior IC

Employment Type : Full Time
Experience: years
Vacancy: 1