Senior Credit Analyst – Embedded Finance

lloyds banking group; Chester; Hybrid; GBP 43,000 - 49,000; Full time

Job summary

A prominent banking institution seeks a Senior Credit Analyst in Chester to lead credit risk strategies and portfolio performance. You will work in a hybrid model and need strong analytical skills and coding experience with SAS and SQL. Enjoy a generous benefits package, including a pension and annual bonus. This is a unique opportunity to contribute to a key financial services team.

Benefits

Generous pension contribution

Annual performance-related bonus

Share schemes including free shares

Discounted shopping benefits

28 days holiday plus bank holidays

Wellbeing initiatives and generous parental leave

Qualifications

• Comfortable working with numbers and have a degree in a numerate subject.
• Practical experience of using analytical software like SAS and SQL.
• Strong evidence of the ability to work creatively and accurately with complex data.

Responsibilities

• Work with tools to manipulate and interrogate data in a control environment.
• Monitor portfolio performance and conduct deep dives for insights.
• Oversee development of credit strategies for responsible lending.

Skills

Strong numerate skills

Coding experience (SAS, SQL)

Analytical problem solver

Effective communicator

Self-starter

Growth mindset

Credit Risk Knowledge

Education

Degree in a numerate subject or equivalent experience

Tools

SAS

SQL

Microsoft Excel

Microsoft PowerPoint

Job description

End Date

Monday 08 December 2025

Salary Range

£43,803 - £48,670

Flexible Working Options

Job Share

Job Description Summary

Title: Senior Credit Analyst

Locations: Chester, Halifax or Leeds

Hours: Full time

Working Pattern: Hybrid, 40% (or two days) in an office location

Join our Embedded Finance Credit Risk team in the Chief Credit Office. You will be part of a team that is responsible for the design, implementation and oversight of credit risk strategies as well as delivery of portfolio performance within risk appetite.

It’s an exciting time to be joining the team as we mobilise in response to the changing world around us, expanding into new business propositions.

Our goal is to make the right lending decisions at the right time, with the right support which requires strong analytical and technical expertise.

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 Embedded Finance Credit Risk team.

What you’ll be doing

• Work with tools like SAS, SQL 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—including for new product propositions—to ensure we lend responsibly to our customers and support the business’ growth ambitions.
• Deliver regular high‑quality trusted reporting and insights to support customer needs.
• Collaborate across Credit Risk, Product, Risk Infrastructure and external third parties 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.

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 SQL, and be confident in using Microsoft Office, particularly Excel and PowerPoint.
• Experienced analytical problem solver – Strong evidence of 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 is 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.
• Credit Risk Knowledge – Prior experience of credit risk in a retail banking environment, particularly developing and overseeing credit strategies, would be advantageous.

About working for us

Our focus is to ensure we’re inclusive every day, building an organisation that reflects modern society and celebrates diversity in all its forms. We’re committed to creating a consciously inclusive workplace where our colleagues can be themselves, thrive and perform at their best.

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.

As an inclusive employer, we offer Workplace Adjustments for colleagues with a disability (which may include long‑term health and neurodivergent conditions) where it is reasonable to do so. This could include flexibility with regards to office attendance, location, and working pattern.

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

If you’re excited by the thought of becoming part of our team, get in touch.

We’d love to hear from you.

About Lloyds Banking Group

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.