Analyst – BCB Credit Risk Modelling

Lloyds Bank plc; United Kingdom; Hybrid; GBP 36,000 - 38,000; Full time

Benefits offered by this job

Pension contribution up to 15%

Annual performance bonus

Share schemes

Wellbeing initiatives

24 days’ holiday

Job summary

Lloyds Banking Group in the UK is seeking an Analyst – BCB Credit Risk Modelling. The role is full-time and permanent with hybrid working, based in Leeds, Bristol or Edinburgh.

You will develop and maintain credit risk models using SAS, Python and SQL and collaborate with risk and finance partners to support regulatory compliance and business decisions. The position offers a chance to work with a specialist modelling team, with opportunities to advance data-driven decision making and gain

Qualifications

• Strong applied knowledge of statistical modelling e.g. regression or decision trees.
• Proficient in coding languages (SQL, SAS, Python) to manipulate data and produce insight.
• Training and support will be provided for the specific tools required for the role.
• Ability to present techniques and findings clearly to senior partners, including non-technical colleagues.
• Practical experience in capital or impairment credit-risk modelling techniques is desirable.
• Experience delivering projects as an individual or part of a team.

Responsibilities

• Develop and maintain prudential capital or impairment models for retail and commercial banking customers.
• Use SAS, Python, and SQL for data manipulation and analysis.
• Collaborate with risk and finance partners to meet regulatory and business requirements.
• Work with governance and implementation teams to deliver analytical solutions.

Skills

SAS

Python

SQL

Statistical modelling

Data analysis

Job description

End Date Friday 04 September 2026 Salary Range £36,224 - £38,130 We support flexible working – Flexible Working Options Hybrid Working, Job Share

Job Description Summary

This is a full time, permanent role based in Leeds, Bristol or Edinburgh.

Job Description

JOB TITLE: Analyst – BCB Credit Risk Modelling

SALARY: £36,224

LOCATION(S): Leeds, Bristol or Edinburgh

HOURS: Full-time, 35 hours

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:

As an Analyst in the BCB Credit Risk Modelling team, you’ll help develop and maintain models that support important business decisions across Business and Commercial Banking. You’ll work with data that helps us add value for customers, manage risk effectively and support a safe, strong bank. Working as part of a specialist modelling team, you’ll support different stages of the model development and maintenance process – from understanding regulatory requirements and turning them into analytical problems, through to exploring modelling approaches and helping build effective solutions. This is a great opportunity for someone who enjoys working with data, solving problems and using insight to support better decision-making across the business.

In this role you’ll:

• Develop and maintain prudential capital or impairment models for retail and commercial banking customers
• Use coding languages (SAS and Python) for data manipulation and analysis
• Work with Risk and Finance business partners to ensure projects meet regulatory and business requirements
• Collaborate with multidisciplinary teams, including internal governance and implementation teams, to deliver effective analytical solutions.

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?

• A strong applied knowledge of statistical modelling e.g. regression or decision trees
• Proficient in a coding language (e.g. SQL, SAS, Python) to manipulate data and produce insight using predictive analytics techniques.
• Training and support will be provided for the specific tools required for the role
• Ability to present techniques & findings in a clear, visual manner to support senior business partners decision making, including non-technical colleagues.
• Practical experience in capital or impairment credit-risk modelling techniques and methods is desirable
• Experience delivering projects as an individual or as part of a wider team.

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

• 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.

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.

With 320 years under our belt, we're used to change, and today is no different. Join us and help drive this change, shaping the future of finance whilst working at pace to deliver for our customers. Here, you'll do the best work of your career. Your impact will be amplified by our scale as you learn and develop, gaining skills for the future.

Should you wish to contact us for any reason, please email us at: [e-mail]

For more Flexible Working Options please use the free text search, e.g. job sharing, variable hours, to identify relevant matches.