Credit Risk MI Analyst

Virgin Money UK PLC; Leeds; Hybrid; GBP 39,000 - 49,000; Full time

Job summary

A leading financial institution is seeking a Collections & Recoveries MI Analyst in a hybrid capacity based in Leeds. The role demands expertise in data analysis using tools such as SAS, SQL, and Python to drive key insights into performance within Risk Operations. The ideal candidate will have strong analytical skills and a track record of delivering high-quality management information. Benefits include competitive salary, private medical insurance, and a robust pension plan. Join a team committed to making a meaningful difference.

Benefits

25 days holiday per year

Private medical insurance

Competitive pension

Annual performance-related bonus

Training and development opportunities

Flexible benefits scheme

Life assurance

Paid volunteering days

Qualifications

• Proven experience coding in SAS, Oracle, SQL, Python or R.
• Experience producing high-quality MI and Insight.
• Strong analytical mindset; self-starter capable of independent investigation.
• Excellent numerical skills with clear data presentation.
• Experience working with stakeholders at all levels.
• Strong Microsoft Excel skills including model building.
• Experience using Power BI for data visualization.

Responsibilities

• Build scalable and repeatable routines to ingest data.
• Deliver MI and supporting commentary on performance.
• Interpret results to highlight key trends.
• Become an expert on data used in the role.
• Convert large datasets into actionable insights.
• Prioritize customers in decision-making.

Skills

SAS

Oracle

SQL

Python

R

Data Analysis

Microsoft Excel

Power BI

Job description

Salary range: £39,200 - £49,000 per annum DOE + benefits

Location: UK Hybrid – Leeds or Gosforth

Our Team

Our Collections and Recoveries business continues to support customers who are going through difficult times. We need more talented individuals to help us transform our business. We’re looking for an enthusiastic and passionate Collections & Recoveries MI Analysts to join our team and focus on driving data led decisions to be at the heart of everything we do.

What you’ll be doing

• Ability to build scalable and repeatable routines to ingest data from a number of sources in different formats.
• Deliver purposeful and insightful MI and supporting commentary on performance within Risk Operations.
• Interpret these results, identifying, understanding and highlighting any key trends.
• Become an expert in the data you use, becoming the first point of contact for any business queries.
• Convert large datasets into clear insights.
• Put customers at the heart of all decision making.

We need you to have

• Proven experience coding in SAS, Oracle, SQL, Python or R, with a track record of working with large and complex datasets.
• Demonstrated experience producing high quality MI and Insight that supports operational teams and improves performance outcomes
• A strong analytical mindset, with evidence of being a self-starter who can independently investigate issues and deliver actionable insight
• Excellent numerical skills, with the ability to present data clearly and translate finding into meaningful and practical conclusions.
• Experience of working confidently with stakeholders at all levels across a business
• Strong Microsoft Excel skills, including the ability to build robust models, report and analysis
• Experience using data visualisation tools such as Power BI to create clear and engaging insight.

Red Hot Rewards

• 25 days holiday per year, increasing over time to 30. Plus, an option to buy more, giving you even more choice.
• Private medical insurance
• A highly competitive pension to help you build a strong foundation for retirement
• Access to an annual performance-related bonus
• Training and development to help you progress your career
• A great selection of additional benefits through our flexible benefits scheme
• Life assurance to provide peace of mind for you and your loved ones
• Up to 2 days of paid volunteering a year

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.

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 [e-mail]

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

We’re in the process of bringing Virgin Money and Nationwide together which, subject to Court approval, will happen on 2 April 2026. You can find out more about what this means at https://uk.virginmoney.com/nationwide-transfer. If you’re successful in securing a role with us, your employment will move automatically to Nationwide when this transfer goes ahead.

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.