Senior Credit Analyst - Consumer Credit

Lloyds Banking Group; West Yorkshire; Hybrid; GBP 44,000 - 50,000; Full time

Job summary

A leading financial institution in the UK is looking for a Senior Credit Analyst to join their Consumer Credit team. This role involves analyzing credit strategies, monitoring portfolio performance, and mentoring junior team members. The ideal candidate will exhibit strong numeracy and analytical skills, experience with SAS and Excel, and excellent communication abilities. A competitive salary and a range of benefits, including a bonus and generous pension contributions, are offered in a hybrid work environment.

Benefits

Pension contribution up to 15%

Annual performance-related bonus

Share schemes including free shares

28 days' holiday, plus bank holidays

Wellbeing initiatives and parental leave policies

Qualifications

• Comfortable working with numbers and possess relevant quantitative experience.
• Practical experience in using analytical software and coding.
• Ability to derive clear insights and answer business questions from data.

Responsibilities

• Manipulate and interrogate data within a robust control environment.
• Monitor portfolio performance and uncover trends.
• Oversee and develop credit strategies.

Skills

Strong numerate skills

Coding experience with SAS

Analytical problem solving

Effective communication

Self-starter

Growth mindset

Education

Degree in a numerate subject or equivalent experience

Tools

SAS

Excel

PowerPoint

Job description

JOB TITLE: Senior Credit Analyst - Consumer Credit

SALARY: £44,901 - £49,890

LOCATION(S): Halifax, Newport and Chester

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, at one of our office sites

About this Opportunity

Are you highly motivated, curious, numerate and ready to learn and respond in a fast-paced environment? If so we've got an exciting opportunity for a Senior Credit Risk Analyst in the Personal Current Account Credit Risk team.

Join our Personal Current Account Credit Risk team in the Chief Credit Office. We manage the Overdraft portfolio, developing risk strategies for new and existing customers while supporting vulnerable individuals. We're responsible for Lloyds, Halifax, and Bank of Scotland brands, handling a significant personal current account portfolio.
Our goal is to make the right lending decisions at the right time, with the right support which requires strong analytical and technical expertise.

Day to day responsibilities

• Work with tools like SAS 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 to ensure we lend responsibly to our customers.
• Deliver regular high-quality trusted reporting and insights to support customer needs.
• Collaborate across Credit Risk, Product, and Risk Infrastructure 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.

Why Lloyds Banking Group

Like the modern Britain we serve, we're evolving. Investing billions in our people, data and tech to transform the way we meet the ever-changing needs of our 26 million customers. We're growing with purpose. Join us on our journey and you will too.

What you'll need:

• 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 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.

And any experience of these would be really useful

• Prior experience of credit risk in a retail banking environment, particularly developing and oversighting credit strategies.

About working for us

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 were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer Initiative.

We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. And, as a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long-term health or neurodivergent condition through the Disability Confident Scheme. We provide reasonable adjustments throughout the recruitment process to reduce or remove barriers. Just let us know what you need.

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
• 28 days' holiday, with bank holidays on top
• A range of wellbeing initiatives and generous parental leave policies

Want to do amazing work, that's interesting and makes a difference to millions of people? Join our journey.