Senior Credit Analyst in Embedded Finance Credit Risk team at Lloyds Banking Group. Utilizing analytics and insights for responsible lending decisions and credit strategy development.
Responsibilities
Join our Embedded Finance Credit Risk team in the Chief Credit Office.
Use insights and analytics to ensure responsible lending and continuously enhance our credit strategies.
Work with tools like SAS, SQL 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 including for new product propositions to ensure we lend responsibly to our customers and support the business’ growth ambitions.
Deliver regular high-quality trusted reporting and insights to support customer needs.
Collaborate across Credit Risk, Product, Risk Infrastructure and external third parties 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 SQL, 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.
Credit Risk Knowledge - Prior experience of credit risk in a retail banking environment, particularly developing and oversighting credit strategies would be advantageous.
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
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