Secured Credit Risk Senior Analyst

Business Unit:  Secured Credit Strategy, Credit Risk
Salary range: £32,800 - £41,00 per annum
Location:  Primarily remote, with the flexibility to work from a hub if desired. Occasional travel to a hub may be required based on business needs.
Contract type: 12m FTC

Our Team
We’re offering an exciting opportunity to become part of our Secured Credit Strategy team, where you’ll collaborate with a talented group of analytical professionals. In this role, you’ll help shape the automated lending strategy and support the development and refinement of credit policies that drive positive customer outcomes and promote responsible, sustainable lending.

This is your chance to make a meaningful impact—broadening access to credit while maintaining strong lending controls and protecting portfolio asset quality.

What you’ll be doing

• Contribute to the design and implementation of the secured automated lending strategies and credit policies to support responsible lending.
• Support initiatives that promote a strong departmental culture focused on delivering positive customer outcomes.
• Identify process improvements through problem solving and trouble shooting
• Ensure adherence to governance frameworks, internal policies, and regulatory requirements.
• Build and maintain positive relationships across Credit Risk teams to share best practices and ensure strategic alignment.
• Support Credit Strategy, Commercial, and Operational teams to identify improvements that enhance compliance, efficiency, and business value.
• Provide insights and recommendations to support management.

We need you to have

• An analytical background with experience in SAS and MS Office; demonstrated understanding of credit risk data, systems, and techniques.
• Knowledge of UK mortgage products and credit risk management, with the ability to contribute to the management of acquisition strategies.
• The ability to convey complex information confidently and clearly to all levels, with ability to draw on technical knowledge and experience to coach and develop team members.
• Experience of prioritising, managing multiple workstreams, and supporting team members in a fast-paced, evolving environment.

It’s a bonus if you have but not essential

• Familiarity with tools like Python, R, SQL, or Power BI for advanced data analysis and visualisation.
• Some experience with the development, monitoring, or validation of credit scoring and risk models, including how they inform strategy and decisioning.

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. 

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.  

Say hello to Virgin Money
Virgin Money is so much more than just a bank. As part of the Nationwide 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 team careers@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.