Credit Risk Data Manager

Credit Risk Data Manager (12 months FTC)

Contract Type: Fixed Term Contract¦ Full Time

Location Bradford, Petersfield or London

Working Pattern: Hybrid—typically one to two days 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 LinkedIn 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

The Credit Risk Data Manager plays a pivotal role in leading the stewardship and governance of all Credit Risk data. This includes designing and developing the data infrastructure and processes that empower the Credit Risk function to effectively analyse, monitor, and innovate risk strategies. By ensuring robust data foundations, the role supports safe and sound decision-making across the customer lifecycle—balancing risk and reward to drive profitable growth while maintaining responsible lending practices. Collaborating closely with IT, Data & Analytics, and Credit Risk teams, the Credit Risk Data Manager defines requirements, resolves issues, and delivers scalable, high-quality data and reporting solutions that underpin strategic insight and implementation.

As a Credit Risk Data Manager, you will:

• Own and manage the Credit Risk Data Governance RCSA, ensuring effective controls and appropriate risk ratings, while prioritising governance efforts and promoting data ownership across the Credit Risk function.
• Lead the adoption of next generation tools to reduce reporting, analytics and scorecard development time
• Work with the business data architects to ensure that Credit Risk data is fit for purpose, optimised for analytical work with new data sources are integrated as required.
• Lead the definition of the scope for new data initiatives and data definitions.
• Lead relationships with key 3rd party suppliers to deliver best in class data to support the strategic business plans.
• Act as SME on business projects to ensure Credit Risk & Analytics data needs are met, while authorising data access requests to maintain appropriate and necessary access controls.
• Lead the development of reporting systems to monitor the financial risks associated with the business model, in the form of period management and credit committee reports
• Responsible for ensuring Records Retention schedules are adhered to and data moved/deleted as appropriate. Where this is a challenge, responsible for ensuring the Head of Data Governance is aware of any issues.
• Drives the investigation and resolution process for data quality issues, including process changes where appropriate.
• Champions and supports Data Privacy activities across Credit Risk, including but not limited to completing DPIAs (and identifying where required) and identifying and reporting personal data breaches. Acting as the risk delegate were allocated in the RCSA for Data Protection risks and controls

What We’re Looking For

• 3+ years’ analytical experience with a range of data mining tools and handling large volumes of data.
• Expert in use of SQL/SAS and other technical analytic tools
• Experience with Snowflake or Power Bi is beneficial
• Strong ability to interpret complex data, prioritise actions, and assess change impact and risk.
• Exceptional quantitative skills, with a strong foundation in, or significant exposure to, credit analytics.
• Strategic thinker with outstanding attention to detail.
• Skilled in influencing and challenging constructively, with strong communication and the ability to identify issues, propose solutions, and engage effectively at all levels.
• Experience of working in a dynamic, fast paced and quickly evolving environment.

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] .

At Vanquis, we’ve been empowering lives since 1880. As a FTSE All Share company and leading specialist bank, we lend responsibly to over 1.75 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.

#MakeWorkMeanMore