Transport Credit Officer – Consumer Credit

LLoyds Banking Group
End Date
Tuesday 27 June 2023

Salary Range
£66,744 – £74,160

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

Agile Working Options
Hybrid Working

Job Description Summary
Would you like a job where responsible lending and cars go hand in hand? We have an exciting opportunity for a Credit Officer to join us.

Job Description

We’re a Credit Risk team accountable for making automated credit decisions for our market leading Motor Finance & Leasing brands, Black Horse and Lex Autolease. We use analytics to optimise and improve our strategies and lend safely to our customers. We support the business to deliver safe and sustainable growth.

It s an exciting time to be joining the Transport team as we re heavily investing in our data and infrastructure to improve our credit decisioning capabilities and you’ll help us to shape and deliver this. The Group has set out its ambitions to become a market leader in low emissions and sustainability, and Transport is a key part of that plan. It s a portfolio that has ambitious plans to grow, digitise and evolve to meet our customers needs over the next 3 years. If you want to support the Bank on its journey to be carbon zero by 2030, come and join us.

What are we looking for

You ll lead and develop a successful team who oversee and optimise Transport Credit Risk strategies and systems. You ll be accountable for ensuring customers are lent to responsibly and that new lending optimises the balance between risk and reward for the Motor business. You’ll act as a key point of contact, building collaborative relationships. You ll contribute more broadly to the Lloyds Banking Group Consumer Credit team.

Essentials

• Analytical expertise – you ll have practical experience of using and coaching others to use analytical software, such as SAS or SQL, to deliver actionable insight. You ll also be confident using Microsoft Office.
• Credit Risk – you ll have experience managing credit risk using automated strategies and scorecards, and performing oversight of other business functions, eg manual underwriting
• Change Management – you ll be able to define and oversee change that helps improve the way we do things
• Communicating effectively – you ll be a compelling communicator who is able to explain complicated issues clearly to different audiences; technical, non-technical. You ll build effective relationships with people.
• Leading others – you ll have a passion for developing your team through stretching objectives, feedback and coaching, supporting and inspiring them to deliver on our purpose.

Desirables

• Strong numerate skills and qualifications (either A-Level or Degree)
• Experience in project management
• Experience with Risk & Control, eg RCSA
• Deputising for senior leadership as needed and supporting them to shape the future of credit risk for Transport
• Experience in both personal and business lending.
• Experience in the Transport business

What will you get in return

A great reward package, including 30 days holiday, generous pension contributions and additional 4% of your salary to be used within our Flex scheme. You ll learn new skills and be given opportunities to grow and develop to help you achieve a rewarding and fulfilling career. We re a supportive team who care about your wellbeing. Our hybrid ways of working supports your work-life balance, with a mix of home and office working.

We re committed to building a workforce which reflects the diversity of the customers and communities we serve. So, if you d like to come and work with us in a supportive and exciting credit risk role, we would love to hear from you!

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.

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.