Credit Analyst

Credit Analyst

We're rebooting an icon and building the future of finance.

Find out why you should join us.

JOB TITLE: Credit Analyst

SALARY: From £30,201

LOCATION(S): Chester or Cardiff

HOURS: Full time – 35 hours per week

WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time in the office. Colleagues with disabilities can be supported with workplace adjustments including hybrid working expectations in line with our Flexibility Works policy.

What you’ll be doing:

Here at Lloyds Banking Group, we put our customers at the heart of everything we do, and every colleague has an important part to play.

The Cards Originations Credit Risk team sits within the Chief Credit Office and is accountable for making automated credit decisions for annual lending of c.£8bn through our market leading Credit Cards products across brands.

We produce insight through analytics to make sure we lend responsibly and continually improve our credit strategies to optimise our decisions to benefit our customers and the Bank.

The team is responsible for defining all aspects of credit risk strategy, preparing loss forecasts, proactively managing risk and reward through strategy optimisation while ensuring the portfolio remains resilient and within risk appetite.

We're looking for a highly motivated individual who is curious, numerate and ready to learn and respond in a fast-paced environment within the team.

In this role you’ll:

• Use tools such as SAS and Excel to manipulate and interrogate data whilst ensuring you work within a robust control environment
• Carry out data analytics to support customer needs
• Produce regular high quality and trusted reporting and analytics
• Collaborate with other teams within credit risk and infrastructure to deliver improvements to credit strategies
• Adopt a continuous improvement attitude, looking for opportunities to automate and transform processes

Why join us?

We’re on an exciting journey to transform our Group and the way we’re shaping finance for good. We’re focusing on the future, investing in our technologies, workplaces, and colleagues to make our Group a great place for everyone.

What we’re looking for?

• Comfortable working with numbers and have either a good degree in a numerate subject or equivalent quantitative experience gained in previous roles
• Experience in use of or willing to learn programming languages e.g. SAS, SQL, BigQuery
• Curious and 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

We know that great talent comes from many backgrounds. We recognise that skills are developed in many ways, so if you have relevant, transferable experience, we encourage you to apply.

This is a place for you:

Our ambition is to be the leading UK business for diversity, equity and inclusion supporting our customers, colleagues and communities and we’re committed to creating an environment in which everyone can thrive, learn and develop.

We also offer a wide-ranging benefits package, which includes:

• 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

Ready for a career where you’ll learn and thrive?

Apply today and find out more.

Please note our roles can generate a considerable amount of interest and close early so don't miss out on this opportunity to apply today.

Job ID

162643

Agile Working Options

Job Share; Hybrid Working

Apply now

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Think all banks are the same? You'd be wrong.

We're a fast paced, forward thinking business that's shaping finance as a force for good.

A bank that's empowering its people to innovate, explore possibilities and grow with purpose.

Think all banks are the same? You'd be wrong.

We're a fast paced, forward thinking business that's shaping finance as a force for good.

A bank that's empowering its people to innovate, explore possibilities and grow with purpose.

Benefits that work for you

Our benefits are designed to support you both in and out of work. We offer a competitive pay and benefits package including health insurance, pension, holiday allowance and flexible working.

Benefits

• Development and progression

• With us, your development is a priority, and we’ll ensure you have the right tools to grow and learn.

• Development and progression

• Our offices

• Our newly renovated offices boast state-of-the-art tech and top-class facilities to help colleagues to connect, collaborate and thrive in an environment so they can do their best work for our customers.

• Our offices

• A talent community for you

• Not ready to apply for anything just yet? Don't worry, join our talent community. We're matching amazing people to new opportunities every single day.

• Join our talent community

• 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'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.

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• Benefits that work for you

• From holiday allowance and flexible working options to private health cover and generous pension contributions, we’ve built a benefits package that works for everyone.

Join us and you’ll have access to:

• Pay and Bonus – competitive salaries as well as bonus aligned to group, business area and individual performance.

• Hybrid working giving you the option to work from home for up to three days a week, extended up to five days a week over the summer period.

• Private medical insurance providing all colleagues with access to quality medical care, including accommodation, nursing care and specialist advice.

• Generous pension scheme with employer contributions. The more you save, the more we'll contribute to your plan, starting with 9% if you pay in 3% of your salary, going all the way up to 15% if you contribute 6% or more.

• Financial products and colleague offers – you’ll be able to take advantage of all our financial products, some at a discounted rate, including current accounts, home and car insurance and loans.

• Family leave – from day one you’ll be able to have 52 weeks' leave after your child is born or placed for adoption; six months of that leave is fully paid. Partners can have six weeks of fully paid paternity leave.

• Holiday trading - buy or sell extra days to suit your lifestyle.

• Share plans align your reward package.

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• Development and progression

• From the moment you join us, to every step you take in your career with us, you’ll be learning, developing and growing.

• You’ll be empowered to tailor your own learning and development to meet your needs, whether that be on-the-job, formally or informally, through others such as mentoring or coaching, or more intentionally through learning courses or gigs.

• We’ll help you take ownership of your career, with clear pathways, practical resources and the freedom to move across teams and roles. When you grow, everyone benefits!

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• Transformed office spaces

• We’ve reimagined our workspaces with sustainability front of mind and to support how we work today and tomorrow. From vibrant social hubs and quiet breakout zones to tech-enabled meeting rooms and flexible desk booking, our offices are built for connectivity and creativity.

In our new offices, you’ll find:

• Tech enabled workspaces with height adjustable desks, collaboration spaces and meeting rooms so you can do your best work

• Modern kitchenettes, working cafés, wellbeing rooms and fitness spaces to support health and wellbeing

• Inclusive spaces, carefully designed with everyone in mind

• Local clubs and networks which give a strong sense of community

• We work in a flexible way, but when you are in the office we want you to love being there. That’s why we’ve made a