Hybrid Embedded Finance Credit Risk Officer

Lloyds Banking Group; Halifax; Hybrid; GBP 65,000 - 73,000; Full time

Job summary

A leading financial institution in the UK is seeking a Credit Officer to join its Embedded Finance Credit Risk team. The successful candidate will develop and implement credit risk strategies, provide credit risk input for new products, and monitor portfolio performance. A degree in a numerate subject or equivalent experience is required, alongside strong analytical and communication skills. This role offers hybrid working and a commitment to inclusivity.

Benefits

Generous pension contribution of up to 15%

Annual performance-related bonus

Share schemes including free shares

Discounted shopping benefits

30 days' holiday plus bank holidays

Wellbeing initiatives and generous parental leave policies

Qualifications

• Comfortable working with numbers and have either a degree in a numerate subject or equivalent quantitative experience.
• Confidence in using Microsoft Office and experience with analytical software, such as SAS/SQL.
• Experience managing credit risk using automated strategies and scorecards.

Responsibilities

• Provide credit risk input into new product launches and regulatory topics.
• Develop and implement credit risk strategies for Embedded Finance products.
• Monitor portfolio performance and identify trends for improvement.
• Collaborate with product, engineering and external parties for new product design.
• Provide coaching and mentorship to junior team members.
• Stay updated on industry trends and regulatory changes.

Skills

Strong numerate skills

Analytical expertise

Credit Risk experience

Change management

Effective communication

Responsible lending

Collaboration skills

Education

Degree in a numerate subject or equivalent experience

Tools

SAS

SQL

Excel

Job description

A leading financial institution in the UK is seeking a Credit Officer to join its Embedded Finance Credit Risk team. The successful candidate will develop and implement credit risk strategies, provide credit risk input for new products, and monitor portfolio performance. A degree in a numerate subject or equivalent experience is required, alongside strong analytical and communication skills. This role offers hybrid working and a commitment to inclusivity.