AgileGrid Solutions
Senior Credit Risk Analyst
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About The Company
Virgin Money UK is a leading financial services provider committed to delivering innovative banking solutions with a customer-centric approach. Renowned for its strong brand presence and dedication to responsible lending, Virgin Money UK offers a diverse range of products including personal banking, credit cards, loans, and savings accounts. The company prides itself on fostering a collaborative and inclusive work environment that encourages growth, integrity, and excellence. With a focus on digital transformation and sustainable growth, Virgin Money UK aims to enhance customer experiences while maintaining robust risk management practices that ensure long-term stability and trust.
About The Role
We are seeking a highly skilled and motivated Senior Credit Risk Analyst to join Virgin Money UK's Unsecured Credit Risk team. In this pivotal role, you will be responsible for shaping and implementing credit risk strategies specifically for our Current Account and Overdraft portfolios. Your expertise will support the development of responsible lending practices that align with regulatory expectations and our risk appetite, ensuring that our products meet the evolving needs of our members. This position offers an excellent opportunity to influence strategic decisions, lead impactful projects, and collaborate with senior stakeholders across the organization. You will be at the forefront of credit decision-making, analyzing large data sets, identifying trends, and providing insights that drive responsible growth and customer satisfaction.
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The ideal candidate will possess significant experience in credit risk management within the UK banking or consumer lending sectors. A strong understanding of unsecured lending products, including current accounts and overdraft facilities, is essential. You should have advanced proficiency in Microsoft Excel, Word, and PowerPoint, with the ability to analyze complex data, produce management reports, and deliver compelling presentations to senior leadership. Experience with data manipulation using SAS or similar programming languages is highly desirable. A comprehensive knowledge of the UK regulatory framework for consumer credit and lending is required, along with a proven track record of developing and delivering effective credit risk strategies. Excellent stakeholder management skills, combined with the ability to influence outcomes and drive continuous improvement initiatives, are crucial for success in this role.
Responsibilities
As a Senior Credit Risk Analyst, your primary responsibilities will include:
- Ensuring the effectiveness of credit risk decision-making processes for the Current Account and Overdraft portfolios.
- Monitoring and evaluating lending strategies, ensuring they operate within risk appetite and regulatory boundaries while supporting customer needs.
- Working closely with cross-functional teams such as Product, Collections & Recoveries, and Compliance to provide expert insights and recommendations.
- Investigating data trends, conducting deep dives into management information, and preparing reports for key committees.
- Leading projects related to strategy testing, data-driven insights, and process improvements.
- Using analytical skills to identify risks and opportunities, influencing strategic decisions, and ensuring responsible lending practices that foster long-term customer relationships.
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Benefits
Virgin Money UK offers a comprehensive benefits package designed to support your well-being and professional development. Employees enjoy:
- 25 days of holiday (pro-rata)
- Private medical insurance
- Access to a competitive pension scheme
- Performance-related bonuses
- Ongoing training and development opportunities
- A salary sacrifice scheme
- Life assurance
- Access to health and wellness programs through Wellhub
- Participation in up to two days of paid volunteering annually
Virgin Money UK is committed to creating a rewarding environment where employees feel valued, supported, and empowered to achieve their best.
Equal Opportunity
Virgin Money UK is an equal opportunity employer that values diversity and inclusion in the workplace. We are committed to providing a supportive environment where all employees have equal access to opportunities and are treated with fairness and respect. We believe that a diverse workforce enhances our ability to serve our customers effectively and fosters innovation. We encourage applications from individuals of all backgrounds, regardless of race, gender, age, disability, sexual orientation, or any other characteristic protected by law. Our commitment to equality ensures that everyone can thrive and contribute to the success of Virgin Money UK.
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