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Apply now Job no: 103169
Work type: Permanent Full Time
Location: Leadenhall, Chester, George Street, Leeds City, Hybrid
Categories: Credit Risk

Business Unit: Commercial - Unsecured Lending
Salary range: £39,200 - £49,000 per annum DOE+ red-hot benefits
Location: Hybrid with travel to a hub when required
Contract type: Permanent

Our Team

We have an exciting opportunity in the Unsecured Lending team to join a talented group of Analytical colleagues in driving commercial growth in combination with strong customer outcomes. The role is responsible for ensuring business performance is understood, explained and influenced in an integrated manner, and for the realisation of value to Virgin Money within our purpose.

What you’ll be doing

• Insights – into the unsecured lending business, combining low level portfolio performance insight with a macro view of external factors (including competitor activity).
• Customer – contribution to Consumer Duty scorecards across unsecured lending, driving positive outcomes through targeted strategies using quantitative identification of issues and leading action across the business to rectify through established routines up to Board level.
• Financial Loss - evaluation of commercial and credit performance across unsecured lending, leveraging analytics to identify risks and opportunities, working with key stakeholders across the business.
• Transformation - Adopting a continuous improvement team mindset, identifying opportunities to improve efficiency through the adoption of new technologies, data, segmentation and advanced modelling.
• Working in a team of talented, dedicated colleagues, who can help you apply and develop these skills in a real-world environment.
• Partnering with key stakeholders and business partners, building relationships to obtain engagement and support in delivery of plans.

We need you to have

• A strong analytical mind, a self-starter and a willingness to learn and develop.
• Previous exposure to coding (SAS, SQL) to include summarising and presenting large datasets.
• Excellent numerical skills, be able to demonstrate the ability to clearly present the facts and interpret data incisively.
• Experience of building trusted relationships with a wide range of stakeholders at all levels, internally and externally, with experience of managing challenge and conflict.
• Be a graduate who is looking to continue to progress in the field of analytics (or someone with a few years’ experience in a relevant field such as credit risk for unsecured lending products).

It’s a bonus if you have but not essential

• If your degree is from a Mathematical, Economic, or Science discipline that would be great. However, if your degree is in something totally different, but you feel this is an area in which you excel, don’t let that stop you applying.
• Experience within financial services, with knowledge of the end-to-end economics and profitability of products.

Red Hot Rewards

• Generous holidays - 38.5 days annual leave (including bank holidays and prorated if part-time)plus the option to buy more.
• Up to five extra paid well-being days per year.
• 20 weeks paid, gender-neutral family leave (52 weeks in total) for expectant parents and those looking to adopt.
• Free private medical cover, income protection and life assurance.
• Flexible benefits include Cycle to Work, wellness and health assessments, and critical illness.

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

If we’re lucky to receive a lot of interest, we may close the advert early, please ensure to submit your applications as soon as possible.

Virgin Money is so much more than just a bank. As part of theNationwide group,together we're the UK's first full-service mutual bank serving millions of retail and business customers and all driven by our purpose; Banking but fairer, more rewarding and for the good of society. With us, you’ll be part of an organisation uniquely positioned to make a difference to the lives of customers, communities and broader society and embark on a collaborative, customer obsessed, and fun-filled career journey. Embrace the weekdays, enjoy fantastic perks, and make a meaningful positive difference. Time to discover what it means to be part of the first mutual full-service banking provider.

Be yourself at Virgin Money

At Virgin Money, we celebrate everyone. We have fun, think big, and relentlessly include each other, all in pursuit of our purpose: Banking – but fairer, more rewarding, and for the good of society.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 teamcareers@virginmoney.com

Please note: If we receive a high volume of eligible applications, we may need to prioritise candidates whose skills and experience most closely align with the role, while still ensuring fair and equitable consideration for all applicants.

Now the legal bit
Although some of our roles allow you to be based anywhere in the UK, 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.