Overview

Job Title: Senior Analyst - Portfolio Profitability Modelling

Contract Type: Permanent, Fulltime

Location: Bradford, Petersfield, Chatham or London

Working Pattern: Hybrid - typically 1 day 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: Enhanced maternity (after successful completion of probation) and 4 weeks paternity leave
• Volunteering: 2 paid days to be paid to volunteer for a cause of your choice
• Development: Learning for all
• Finance: Snoop Premium available to all colleagues
• Medical: Private Medical Insurance available
• Bonus: Discretionary annual bonus

The Role

The Pricing Modelling team operates as a Centre of Excellence to develop, maintain and evolve the capability of pricing models across the bank's products (Credit Cards, Vehicle Finance, Second Charge Mortgages, Savings). These models enable the business to achieve its financial objectives by embedding advanced data-driven modelling into commercial strategy and pricing decisions to drive sustainable profitability.

As an Analyst, you will own the design, development, and maintenance of profitability and pricing models and tracking suite. You will play a key role in designing and shaping the next generation of models in a cloud-based, data-driven environment to unlock greater flexibility and granularity for faster, smarter decision making.

As a Senior Analyst - Portfolio Profitability Modelling, you will:

• Lead the design, development, innovation, and maintenance of our profitability and pricing models and tracking suites
• Evolve the capability of pricing models through automation, enhanced granularity, and streamlined user interfaces on a next-generation cloud-based analytics platform
• Combine business strategies and levers with data-driven customer performance within the models to translate key performance drivers into financial measures and outcomes (e.g., RoTE and PBT)
• Support other teams in profitability and financial analysis to ensure we make the right decisions for our shareholders and customers
• Place strong and robust controls and automation around everything you do to ensure tools and models are precise, accurate, and trusted
• Ensure all models in operation are fit for purpose through dynamic monitoring, recalibration and redevelopment when necessary
• Identify new opportunities and improvements in current modelling practices, processes and tools through inquisitive and innovative analysis
• Coach junior team members; conduct peer-review and model behaviours and standards
• Deputise for Senior manager as required

What We're Looking For

• Pricing Modelling: Experience developing NPVs, profitability, pricing or financial models in Python/SAS/SQL/Excel or similar, with understanding of purpose, design, mechanics and outputs
• Coding & Forecasting: Proficiency in Python, Snowflake, SQL, or SAS; capable of building code from scratch to manipulate data and using forecasting techniques/tools
• Financial Metrics: Familiarity with P&L / balance sheet components and key measures
• Lending Products: Experience with Credit Cards, Loans, or Vehicle Finance and related profitability drivers and modelling approaches
• Model Development: Understanding of the model development lifecycle and key principles
• Communication: Excellent verbal and written communication, able to present complex findings to non-technical stakeholders

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 customers can make the most of life's opportunities. Established in 1880, we are a FTSE All-Share company and leading specialist bank with over 1.75 million UK customers.

We take care of our colleagues and customers, offering 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. We foster an inclusive culture where everyone can be themselves. We help you build your career with learning and development opportunities.

Vanquis Bank is an Equal Opportunity Employer. We embrace everyone’s unique strengths and identities. Any differences in identity, orientation, status, race, nationality, faith, disability, or age are respected and valued as part of our diverse teams.

If you need recruitment process support, please contact us for assistance. You can request formats or additional help as needed.

Benefits

• Holidays: 25 days of annual leave (rising to 30 with service), with buy/sell up to 5 extra days and flexible bank holiday swaps
• Pension: Up to 10% employer contributions
• Enhanced Leave: Enhanced maternity (post-probation) and 4 weeks paternity leave
• Workations: Work abroad for up to 20 days a year in approved countries
• Paid Birthday Leave: Take the day off to celebrate your birthday
• Volunteering: 2 paid days to volunteer
• Learning & Development: Access to learning opportunities
• Financial Wellbeing: Free Snoop Premium
• Healthcare: Private Medical Insurance

The Benefits

Competitive base salary and rewards

Private Medical Insurance

25 days holiday entitlement

Defined contribution pension

Discretionary bonus scheme

Perks at Work: Discounts platform

Volunteering: 2 paid days to support a charity

Flexible, hybrid, & dynamic working policies

Personal & career development opportunities

Monthly and Quarterly Colleague Socials

Discounted gym membership

BUPA GP Service

Workplace Gallery

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