Senior Credit Risk Analyst - Business Banking

Lloyds Banking Group; Birmingham; Hybrid; GBP 45,000 - 50,000; Full time

Benefits offered by this job

Competitive salary and bonus

Generous pension contribution

28 Days Holiday plus bank holiday

Share schemes

Salary sacrifice schemes

Professional development opportunities

Job summary

Lloyds Banking Group in the United Kingdom is seeking a Senior Credit Risk Analyst for Business Banking. The role is full-time with a hybrid work pattern, requiring presence at offices multiple days per week. Location options include Leeds, Halifax, Cardiff, Bristol, Birmingham or Edinburgh.

You will monitor credit risk processes, interpret data, and deliver high-quality analyses while mentoring junior analysts. Strong numerical and analytical skills are essential.

Qualifications

• Strong numerate skills and qualifications (A-Level or Degree).
• Analytical expertise using analytical software (e.g., SAS/SQL) and MS Office (Excel/PowerPoint).
• Knowledge of Credit Risk and Change Management concepts.
• Effective communicator able to explain complex issues to varied audiences.
• Enthusiasm for problem solving and curiosity to explore data.

Responsibilities

• Monitor and support credit risk management processes and systems.
• Interpret data and produce high-quality analysis for stakeholders.
• Anticipate partner needs and provide actionable insights.

Skills

Strong numerate skills

Analytical expertise

Knowledge of Credit Risk

Effective Communicator

Problem solving mindset

Education

A-Level or Degree

Tools

SAS

SQL

Excel

PowerPoint

PowerBI

Job description

End Date

Wednesday 30 September 2026

Salary Range

£44,901 - £49,890

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

Flexible Working Options

Flexibility in when hours are worked, Hybrid Working, Job Share

Job Description Summary

Title: Senior Credit Risk Analyst - Business Banking
Location(s): Leeds, Halifax, Cardiff, Bristol, Birmingham or Edinburgh
Type: Full Time
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.

We are a Credit Risk team supporting Lloyds Banking Group’s 1 million small business customers. You’ll monitor and support a range of credit risk management processes and systems and interpret a range of data, managing the efficient and effective production of high-quality analysis, anticipating partner needs.

Job Description

Core Purpose of the Role

Our team purpose is to deliver responsible and sustainable lending to support small business customers. We do this by taking ownership to act, while supporting each other and valuing difference. This is key in Helping Britain Prosper.

We’re accountable for making responsible lending decisions for Business Banking (BB) customers through the use of automated credit strategies. We’re continually using our knowledge and analytics to improve credit decisions and maximise the efficiency of the credit decisioning systems. We oversee key aspects of the portfolio to ensure we’re acting in the best interests of our customers and we support the business to deliver safe and sustainable growth.

As a senior analyst in the team, you’ll provide technical insight to the BB Credit Risk strategies and systems, defining and delivering analysis to support the team goals. You’ll form relationships with the wider Risk team and 1st line business areas, providing technical leadership and mentoring to junior analysts in the team.

It’s an exciting time to be joining the team as we’re heavily investing in our data and infrastructure to enhance our credit decisioning capabilities and you could really help us to shape and deliver the outcome.

What are we looking for?

You’ll need to have some experience in credit risk and have the analytical skills to deliver insights and proposals to ensure we continue to lend safely. As a senior analyst in the team, junior colleagues will look to you to set a good example in organising your work and continually developing yourself. The list here gives you information about the qualifications, skills and experience we’re looking for. We don’t expect you to be advanced in them all already, but be prepared to learn on the job and have the motivation to develop.

Essentials

• Strong numerate skills and qualifications (either A-Level or Degree)

• Analytical expertise – practical experience of using analytical software and coding, such as SAS or SQL, and be confident in using Microsoft Office, particularly Excel and Powerpoint.

• Knowledge of Credit Risk and Change Management – an understanding of what credit risk is and how we manage it with strategies and scorecards.

• Effective Communicator – ability to explain complicated issues clearly to different audiences; technical, non-technical, junior colleagues and senior management; both verbally and non-verbally.

• Enthusiasm for problem solving – When the answer isn’t in the data, sometimes you need to look elsewhere, and this takes a curious, creative attitude and logical thinking to explore the problem and find a solution

Desirables

• Proficient in PowerBI

• Coaching junior members of the team

• Deputising for Management where required and supporting them to shape initiatives

• Experience in business lending.

Benefits

• Competitive salary and performance-related bonus
• Generous pension contribution scheme
• 28 Days Holiday plus bank holiday
• Share schemes
• Wide range of salary sacrifice schemes and benefits
• Professional development opportunities

This role provides an exciting opportunity to work flexibly and collaboratively with a result-oriented team, to help Lloyds Living bring to life the Group’s vision of being the Best Bank for Customers & colleagues.

We are committed to building a workforce which reflects the diversity of the customers and communities we serve, and to building an inclusive environment where all our colleagues can be themselves and succeed on merit. We support the principles of agile working and are happy to consider flexible working arrangements. We are an equal opportunity employer and deeply value diversity within our organisation.

Together we make it possible.

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 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.