Credit Risk MI Analyst

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This role is part of Virgin Money's Customer Support Business Unit and focuses on supporting the Collections and Recoveries function by delivering data-driven insights.

Business Unit: Customer Support

Salary range: £32,800 - £41,000 per annum DOE + benefits

Contract type: Permanent

Our Collections and Recoveries business continues to support customers who are going through difficult times. We need talented individuals to help transform our business. We’re looking for enthusiastic and passionate MI Analysts to join our team and focus on driving data‑led decisions.

• 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 results, identifying, understanding and highlighting key trends.
• Become an expert in the data you use and serve as the first point of contact for business queries.
• Convert large datasets into clear insights.
• Put customers at the heart of all decision making.

• 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 findings into meaningful conclusions.
• Experience working confidently with stakeholders at all levels across a business.
• Strong Microsoft Excel skills, including building robust models, reports and analysis.
• Experience using data visualisation tools such as Power BI to create clear and engaging insight.

• 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.
• Free private medical cover, income protection and life assurance.
• Flexible benefits including 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 application 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, all driven by our purpose:
Banking but fairer, more rewarding and for the good of society.

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 at

Although some of our roles allow you to be based anywhere in the UK, you must confirm you have the right to work in the UK.

If you’re successful in securing a role with us, there are 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.

• Associate

• Full‑time

• Analyst

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