Senior Credit Risk Analyst, Lloyds
Business Banking
£44.9-49.9k
+ Bonus & share schemes
2+ days a week in office
Retail and commercial bank
Be an early applicant
Retail and commercial bank
1001+ employees
Be an early applicant
£44.9-49.9k
+ Bonus & share schemes
2+ days a week in office
1001+ employees
Company mission
To support families and businesses, helping them to take the next step, whatever that may be.
Role
Who you are
- 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
- 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
Desirable
- Proficient in PowerBI
- Coaching junior members of the team
- Deputising for Management where required and supporting them to shape initiatives
- Experience in business lending
What the job involves
- 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
Application process
- End Date: September 30, 2026
Our take
Lloyds Bank, part of Lloyds Banking Group, began operations back in 1765 and is nowadays one of the UK’s leading retail and commercial banks. As with many leading banks, the company has dealt with its share of controversy, but it has nonetheless stood the test of time and worked to build back its public reputation in the wake of these setbacks.
As part of its ongoing digital transformation, the company is seeking to put the cloud at the front of its services and systems, and has cited intentions to invest heavily in overhauling its technology infrastructure. All this seeks to serve the modern banking customer, and to compete with the fast-increasing number of alternative banking options appearing on the market.
On top of this, Lloyds Bank has shown great interest in facilitating innovation in the industry, joining as a partner on "FinTech Action Labs" to bring its industry expertise to early-stage FinTechs. The company continues to enhance its online and mobile services (it is the UK's biggest mobile bank), as well as expanding its partnerships with digital banking companies.
Steph
Company Specialist at Welcome to the Jungle
Insights
-1% employee growth in 12 months
Company
Company benefits
- Flex cash: This is 4% of your basic salary and can be used to spend on the benefits of your choice, or you can choose to take it as a cash top up in your monthly salary.
- A generous holiday allowance: You’ll be eligible for a minimum of 22 days holiday (excluding bank holidays), rising to 30 days based on length of service and grade.
- A flexible way of working: Whether you want flexibility over your location or when you log on, together we can create an approach that works for you and for the business.
- Family leave: Up to 63 weeks of maternity or adoption leave. Statutory maternity or adoption pay is available for 39 weeks, and 20 weeks will be enhanced to the equivalent of full pay. Partners can have six weeks of fully paid paternity leave.
- Health insurance: Our company funded Private Medical Benefit provides all colleagues with access to good quality medical care, including accommodation, nursing care and specialist advice.
- Colleague Offers: Get discounts on everything from electrical items to cinema tickets and weekly food shopping. You can share this benefit with up to ten family members or friends.
- Financial products: Take advantage of our great financial products, some at a discounted rate, including current accounts, home and car insurance and loans.
- Share plans: Participate in Sharematch and receive matching shares of up to £45 a month from the company, and you can choose to participate in Sharesave, our combined savings and share option plan.
- Pension: We offer a generous pension plan, with all joiners being automatically enrolled in our 'Your Tomorrow' scheme. You can decide how much you save and get a say in where your contributions are invested.
Company HQ
City of London, London, UK
Leadership
Charlie Nunn
(Group Chief Executive)Spent nine years at HSBC, including as Group Head of Wealth Management and Digital, and as CEO of Wealth and Personal Banking.
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