Analyst, Credit Reference Agencies (CRA)
Vanquis Bank
London, GB
4d ago

Who we are

Vanquis help people who are excluded by mainstream banks take control of their financial situation. Whether they’re new to credit or need a hand rebuilding their credit file to manage life better, we make sure our services are straightforward and suitable for them to succeed.

We’re here to put people on a path to a better everyday life, not just our 1.7 million customers but our colleagues too.

And we’re proud of the difference we make.

You and your team

Our Credit Reference Agencies (CRA) team which is responsible for shaping and influencing the management, governance, and utilisation of bureau data within each function of the bank.

As an Analyst in our Credit Reference Agencies team, you’ll have the opportunity to work on an exceptional variety of analytical projects spanning all functions of the Bank.

In this role, you’ll be managing key relationships across the bank, ensuring that controls and procedures are in place, and be providing an efficient and effective shared service for the Bank and the wider Provident Group in the areas of customer and commercial insights, business information and data presentation.

  • Reporting into the Senior Manager, CRA your specific responsibilities will include;
  • Support with the management of the relationships with the three main UK Credit Reference Agencies (TransUnion formerly known as Call Credit, Equifax and Experian)
  • Support the control framework within CRA (bureau) data utilisation and processes
  • Manage monthly service reviews with all three CRAs to ensure Vanquis is kept up to date on the latest developments in new data sources and software, to retain a competitive advantage.
  • Keep informed of the relevant rules and regulations to ensure all scorecards, strategies and services within Vanquis Bank are compliant, specifically the Principles of Reciprocity, the Principles for the Reporting of Arrears, Arrangements and Defaults, and GDPR
  • Initiate and deploy detailed MI on incoming CRA data across each stage of the credit lifecycle to ensure data content is stable and as expected
  • What you’ll bring to the team

  • Working in Data and Analytics at Vanquis isn’t simply about being good with numbers or being a technical expert. You’ll be partnering closely with colleagues across the business;
  • giving live advice and striking the right balance between collaboration and independence of thought.

    To be successful in this role, we are looking for someone with :

  • Relevant experience at a Credit Reference Agency or in personal / retail financial services
  • Extensive knowledge of Credit Reference Agency services, data, scores and characteristics
  • Proficiency in SAS / SQL with database extraction and reporting experience
  • The ability to build relationships with key stakeholders and able to translate technical and complex detail into easy-to-understand information
  • Extensive knowledge of relevant financial services legislation and regulation
  • Knowledge of Credit Decisioning Systems, e.g. FICO OM, Triad, Blaze Advisor, Experian Power Curve.
  • Why Vanquis?

    Our colleagues are the most important part of delivering our purpose to put customers on a path to a better everyday life.

    If it wasn’t for their amazing efforts, ideas and energy we wouldn’t be the successful business that we are today. So we offer an attractive, competitive salary and benefits package for everyone including :

  • Competitive base salary and rewards
  • Discretionary bonus scheme
  • 25 days holiday entitlement with one day accrued for each year of service (to max 30 days)
  • Defined contribution pension scheme
  • Private Medical Insurance for you and your family (partner and dependant children)
  • Extensive opportunities for personal and career development
  • Flexible and dynamic working policies
  • A range of initiatives offered through our Sports & Social and Social Impact Programmes
  • Perks at Work - A perks platform offering over 30,000 unique discounts
  • Free tea, coffee and fruit
  • Discounted gym membership
  • Subsidised on-site restaurants
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