Hybrid Senior Credit Analyst – Consumer Credit

at Lloyds Banking Group

• Job title: Senior Credit Analyst – Consumer Credit
• Job type: Full Time
• Experience level: Senior
• Salary: £44,901 - £49,890 per year
• Degree requirement: Bachelor's Degree
• Location requirements: Hybrid, Halifax, United Kingdom

About the role

• Senior Credit Analyst in the Personal Current Account Credit Risk team. Responsible for developing risk strategies for new and existing customers and supporting vulnerable individuals.

Responsibilities

• Work with tools like SAS and Excel to manipulate and interrogate data within a robust control environment.
• Monitor portfolio performance and conduct deep dives to uncover trends and opportunities.
• Oversee and develop credit strategies to ensure we lend responsibly to our customers.
• Deliver regular high-quality trusted reporting and insights to support customer needs.
• Collaborate across Credit Risk, Product, and Risk Infrastructure to safely deliver change and support growth opportunities.
• Develop actions that balance risk and reward while supporting business goals.
• Present insights to senior colleagues and champion improvement and automation.
• Mentor junior team members and stay informed on industry, regulatory, and data developments.

Requirements

• Strong numerate skills - Comfortable working with numbers and have either a degree in a numerate subject or equivalent quantitative experience gained in previous roles.
• Coding experience - Practical experience of using analytical software and coding, such as SAS, and be confident in using Microsoft Office, particularly Excel and PowerPoint.
• Experienced analytical problem solver – strongly evidence the ability to work creatively and accurately with complex data to derive clear insights and answer business questions.
• Effective communicator - Builds positive relationships with partners and able to clearly explain complex issues and insights to different audiences, both verbally and non-verbally.
• Self-starter - Well organised and able to adapt to changing priorities.
• Growth mindset - Proactive in progressing your 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, particularly developing and oversighting credit strategies.

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
• 28 days’ holiday, with bank holidays on top
• A range of wellbeing initiatives and generous parental leave policies