Hybrid Credit Analyst – Personal Current Accounts

at Lloyds Banking Group

• Job title: Credit Analyst – Personal Current Accounts
• Job type: Full Time
• Experience level: Mid level, Senior
• Salary: £29,460 - £31,010 per year
• Degree requirement: Bachelor's Degree
• Tech skills: Python, SQL
• Location requirements: Hybrid, Newport, United Kingdom

About the role

• Credit Analyst managing Personal Current Account credit risk strategies for Lloyds Banking Group. Analyzing risk data and optimizing lending strategies while supporting vulnerable customers.

Responsibilities

• Support a range of Personal Current Account credit risk management strategies including New Business Account Originations, Existing Customer Lending and Credit Limit Decreases.
• Analyse and interpret a range of risk data, maintaining production of high-quality analysis, that support stakeholder needs.
• Works with support to collate and analyse data, typically utilising SAS Enterprise Guide and Excel.
• Organise and prepare risk strategy documents.
• Gather and summarise risk data for BAU monitoring and reporting.
• Keep track of risk parameters and identifies and reports any major deviation to more senior colleagues.
• Analyses specified problems and incidents to find the root cause and recommend potential solutions.
• Deliver innovative solutions to enhance existing processes and systems.
• Responds to individual and team objectives and invests in improving personal performance by growing own skills and capabilities.

Requirements

• Comfortable working with numbers, demonstrated either through a degree/qualification in a numerate subject, or equivalent quantitative experience gained in previous roles.
• An aptitude for learning programming languages (e.g. SQL, SAS, R, Python) – whilst prior coding experience isn’t essential, development of these skills to manipulate and analyse data will from a key part of the role.
• Analytical problem solver, able to work creatively with data to draw out insight and answer business questions.
• 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.
• Proactive in progressing their own personal development and collaborating with others to improve the culture of the wider team.

Benefits

• A generous pension contribution of up to 15%
• An annual performance-related bonus
• Share schemes including free shares
• Benefits you can adapt to your lifestyle, such as discounted shopping
• 24 days’ holiday, with bank holidays on top
• A range of wellbeing initiatives and generous parental leave policies