Senior Credit Analyst - Embedded Finance

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

Job summary

A leading banking institution is looking for a Senior Credit Analyst in Chester. The role includes developing credit strategies, monitoring portfolio performance, and delivering insights while working in a flexible hybrid environment. Candidates should possess strong numerate skills, coding experience, and credit risk knowledge. Benefits include a generous pension contribution, performance-related bonuses, and well-being initiatives. If you're ready to contribute to a diverse and inclusive team, apply now.

Benefits

Generous pension contribution of up to 15%

Annual performance-related bonus

Share schemes including free shares

Discounted shopping benefits

28 days’ holiday, with bank holidays on top

Wellbeing initiatives and parental leave policies

Qualifications

• Comfortable working with numbers and have prior quantitative experience.
• Practical experience with SAS, SQL, and Microsoft Office.
• Ability to derive insights from complex data.

Responsibilities

• Manipulate and interrogate data using SAS, SQL, and Excel.
• Monitor portfolio performance and uncover trends.
• Develop and oversee credit strategies for new products.
• Deliver regular insights to support customer needs.
• Collaborate with teams to safely deliver change.
• Balance risk and rewards while supporting goals.
• Mentor junior team members and stay informed on industry trends.

Skills

Strong numerate skills

Coding experience

Analytical problem solver

Effective communicator

Self-starter

Growth mindset

Credit Risk Knowledge

Education

Degree in a numerate subject or equivalent experience

Tools

SAS

SQL

Excel

PowerPoint

Job description

End Date

Thursday 05 February 2026

Salary Range

£43,803 - £48,670

We support flexible working – click here for more information on flexible working options

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

• 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 – 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.

• Credit Risk Knowledge – Prior experience of credit risk in a retail banking environment, particularly developing and oversighting 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.

Benefits

• 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.