Apply on Employer Site

Lloyds Banking Group · 1 week ago

Senior Credit Analyst - Consumer Credit

Newport

Full-time

Hybrid

Senior Level

Lloyds Banking Group is evolving to meet the needs of its 26 million customers, and they are seeking a Senior Credit Analyst in the Personal Current Account Credit Risk team. This role involves developing risk strategies for the overdraft portfolio and ensuring responsible lending through analytics and insights.

BankingFinanceFinancial Services

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

Qualification

Numerate skillsSASExcelAnalytical problem solvingCredit risk experiencePowerPointEffective communicationSelf-starterGrowth mindset

Required

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