Matt Oliver
Lead Credit Risk Analyst
Matt has been with Vanquis for nearly a decade. He has built extensive experience through customer service, business analysis and lead credit risk analyst roles. He has 10 years of experience in vehicle finance and 8 years in credit risk.
He currently works as a manager developing and optimising our decision systems. He’s also working towards Level 3 accreditation with the Chartered Institute of Credit Management (CICM).
Matt specialises in understanding how people access credit and the challenges they face. He’s passionate about helping you understand how credit works, so you can make informed borrowing decisions with confidence.
29 May 2025
Ways to borrow safely
If you find yourself needing to borrow some money, it can be hard to weigh up the options available to you. Here we give you a quick overview of some of the more common ways, how they work and what you might want to think about.
29 May 2025
Differences between hard and soft credit checks
They’re both about checking whether you can repay what you borrow – but they vary in how in-depth they are and how much they impact your credit score.
More from this author
What is a CCJ?
If you fall behind on debt and it goes to court, you could be issued with a County Court Judgment (CCJ). In this guide, we explain what a CCJ is, how to check if you have one and what you can do to deal with it...
What is an IVA?
An Individual Voluntary Arrangement (IVA) is a formal agreement to help you repay debt in a manageable way. Here’s an overview of how IVAs work, who they’re suitable for and what to consider before going ahead - plus the pros, cons and alternatives...
What is an APR?
Our useful guide explains how an APR works, the difference between APRs and interest rates and how to compare offers. Plus, we cover the different types of APRs - like variable and fixed rates - so you can make informed decisions before applying for credit....
