Senior Analyst - Decision Science

Job Title: Senior Analyst – Decision Science

Contract Type: Permanent, Fulltime

Location: Bradford. Chatham, Petersfield 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
• 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
• Medical: Opportunity to opt in for Private Medical Insurance
• Bonus: Discretionary annual bonus

The Role:

You and Your Team:

As a Senior Analyst – Decision Science, you will play a key role in delivering innovative, accurate, and scalable models that underpin our lending decisions and support sustainable customer outcomes.

Some of the key responsibilities are:

• Developing Acquisition and Behavioural Scorecards across Cards and Asset Finance portfolios.
• Designing and enhancing IFRS9 and Capital Models, including ECL and PD modelling.
• Creating, maintaining, and automating model monitoring and performance dashboards.
• Building development datasets from internal and external data sources, including Credit Reference Agencies.
• Applying segmentation techniques to identify homogenous populations for targeted modelling.
• Collaborating cross-functionally with teams such as Product, Finance, Credit Risk, and Operations to embed analytics into strategic decision-making.
• Mentoring junior analysts, supporting skill development and contributing to a culture of continuous improvement.

What We’re Looking For:

We’re looking for someone with a passion for data-driven decisioning and a track record of delivering credit risk models in a regulated environment. You should enjoy combining technical excellence with commercial thinking and collaboration.

Essential skills and experience:

• Proven experience developing credit scorecards or other classification models within financial services.
• Strong programming ability in SAS or Python; familiarity with libraries such as NumPy, Pandas, Scikit-learn, Keras, and Matplotlib is a plus.
• Working knowledge of algorithms such as logistic regression, tree-based methods (e.g. random forests, gradient boosting), and neural networks.
• Proficiency in SQL and experience with data extraction, manipulation, and analysis from relational databases.
• Solid understanding of statistical methods, experiment design, and hypothesis testing.
• Familiarity with Credit Reference Agency data, characteristics, and score usage.
• A structured, analytical mindset and problem-solving capability.

Desirable:

• Knowledge of model governance and regulatory standards (e.g. IFRS9, PRA expectations).
• Exposure to cloud-based analytics environments.

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.

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