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Business Unit: Commercial - Unsecured LendingSalary Range: £38,400 - £57,600 per annum DOE + Red hot benefits Location: Remote with occasional travel required to a hub Live to inspire change. Live a life more Virgin.
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
- Previous exposure to coding (SAS, SQL, Python, R) to include summarising and presenting large datasets.
- 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.
- A strong analytical mind, a self-starter and a willingness to learn and develop.
- Excellent numerical skills, be able to demonstrate the ability to clearly present the facts and interpret data incisively.
- Strong Microsoft Excel skills.
- Experience of building trusted relationships with a wide range of stakeholders at all levels, with experience of managing challenge and conflict.
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.
- Market-leading pension.
- 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.
Feeling insatiably curious about this role? If we're lucky to receive a lot of interest, we may close the advert early and would hate you to miss out.
We're all about helping you Live a Life More Virgin, so happy to talk flexible working with you.
Say hello to Virgin MoneyWe're making great strides towards achieving our ambition of becoming the UK's best digital bank. As a full-service digital bank with a heritage stretching back over 180 years, we're a workforce to be reckoned with, and we're putting the full power of our experience behind disruptive ideas that reinvent the role a bank plays in people's lives. We're customer-obsessed and work tirelessly to deliver on our purpose, ‘Making You Happier About Money.' This means we're able to do banking differently, and by innovating and working together we can make a real difference by creating memorable moments and red-hot experiences for our millions of customers. Join us and Live a Life More Virgin that empowers you with choice and flexibility in how you work. Be yourself at Virgin MoneyOur purpose is to make people happier about money, this means seeing and feeling the world as our customers do by creating a workforce that reflects the rich diversity of our customers and communities. 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 team
It's important to note that there may be occasions where it's not possible to interview all candidates declaring a disability who meet the essential criteria for the job. In certain recruitment situations such as receiving a high-volume of applications, we may need to limit the overall numbers of interviews offered to both disabled and non-disabled applicants.
Now the legal bitLiving A Life More Virgin allows our colleagues to be based anywhere in the UK (if the role allows it), but 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.
