Credit Analyst

Lloyds Banking Group; Cardiff; On-site; GBP 30,000 - 42,000; Full time

Benefits offered by this job

Pension up to 15%

Annual bonus

Share schemes

Discounted shopping

24 days holiday

Wellbeing initiatives

Parental leave

Job summary

Lloyds Banking Group in Cardiff is seeking a data analytics orientated analyst within the Cards Originations Credit Risk team. You will manipulate data with SAS and Excel, produce regular reporting, and support automated credit decision insights in a fast-paced environment.

You will collaborate with risk and infrastructure teams, pursue process improvements, and develop your programming skills in SAS/SQL/BigQuery while contributing to responsible lending across brands.

Qualifications

• Degree in a numerate subject or equivalent quantitative experience.
• Strong analytical and problem-solving skills.
• Comfortable working with numbers and data manipulation.

Responsibilities

• Use SAS and Excel to manipulate data in a robust control environment.
• Carry out data analytics to support decision making.
• Produce high-quality reporting and analytics for stakeholders.
• Collaborate with credit risk and enterprise teams to improve strategies.
• Proactive in personal development and teamwork.

Skills

Data analytics

SAS

SQL

Excel

BigQuery

Python

Education

Numerate degree (e.g., Mathematics, Statistics)

Tools

SAS

SQL

BigQuery

Job description

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, 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.
  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
  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.

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