Senior Analyst – Unsecured Credit Risk

LLoyds Banking Group
End Date
Thursday 22 June 2023

Salary Range
£0 – £0

We support agile working – click here for more information on agile working options.

Agile Working Options
Hybrid Working

Job Description Summary
A fantastic opportunity to join the Consumer Credit Risk as a Senior Credit Analyst within the Unsecured products space. You will be part of a team that is responsible for the design, implementation and oversight of credit risk strategies as well as delivery of portfolio performance within risk appetite. You will produce data-based credit analytics and own regular reporting to assist in controlling the portfolio risk. You will deliver deep-dive analyses to identify trends and work with cross-functional teams to create opportunities for improvement.

It’s an exciting time to be joining the team as we mobilise in response to the changing world around us – from regulatory changes to the Group s new strategy. We re also heavily investing in our data and infrastructure to enhance credit decisioning capabilities to deliver safe and sustainable growth.

We would like to hear from applicants with an analytics background and who enjoy using data to solve business problems.

Job Description

Our core purpose is to maintain a resilient portfolio through sustainable lending, to deliver the best outcomes for customers and partners. We do this by taking ownership to act, while supporting each other and valuing difference. You’ll work directly with multiple partners within and outside the Credit Risk team, with responsibilities including:

• Carry out analyses to support development and implementation of credit risk strategies, including underwriting and credit line assignment.
• Carry out data analytics to produce high quality and trusted reporting and insights that will serve on solving business problems and assist in delivery of desired outcomes.
• Monitor portfolio performance and conduct deep-dive analyses to identify trends and opportunities for improvement. Collaborate with multiple other teams within credit risk, product, engineering and finance to deliver credit risk insight.
• Adopting a continuous improvement attitude, looking for opportunities to automate and transform processes.

What are we looking for?

• Comfortable working with numbers and have either a degree in a numerate subject or equivalent quantitative experience gained in previous roles.
• Experienced in the use of any programming languages (e.g., SAS, SQL) to manipulate data.
• Effective communicators, building positive relationships with partners and communicating recommendations clearly to influence business decisions.
• Well organised and able to manage their own workload while adapting to changing priorities.
• Analytical problem solvers, able to work creatively with data to draw out insight and answer business questions.
• Proactive in progressing their own personal development and collaborating with others to improve the culture of the wider team.
• Prior experience of credit risk in a retail banking environment is a strong plus.

As well as a competitive salary, you ll receive:

• A Discretionary Performance Share Award
• Generous pension contribution
• 28 Days leave plus bank holidays
• Flexible benefits
• Private health cover
• Access to Share Schemes

You’ll enjoy our dedication to your ongoing personal and professional development. We’ll help you perform at your best today, so you can fulfil all your potential in the future. We have the scale and breadth to provide you with a diverse range of personal development and a career that s enriching.

Our team is primarily based around our London, Chester, Cardiff and Halifax offices, but we have colleagues spread all over the UK. As a team we work flexibly following a hybrid working model, combining working from home with travel to our offices. Plus, you ll be part of an encouraging team who work in a variety of flexible ways to accommodate work-life balance.

We’re committed to building a workforce which reflects the diversity of the customers and communities we serve, and to building an inclusive environment where all our colleagues can be themselves and succeed on merit. We’re an equal opportunity employer and deeply value diversity within our organisation.

We’ll ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation.

So if you have the skills we re seeking and you re looking for your next step, we d love to hear from you.

At Lloyds Banking Group, we’re driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities. With us you’ll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you’ll have many opportunities to learn, grow and develop.

We keep your data safe. So, we’ll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks. We’ll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person.

We’re focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we re building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.