Senior Credit Analyst - Embedded Finance job opportunity at Lloyds Banking Group.



DateMore Than 30 Days Ago bot
Lloyds Banking Group Senior Credit Analyst - Embedded Finance
Experience: General
Pattern: full-time
apply Apply Now
Salary:
Status:

Job

Copy Link Report
degreeOND
loacation Chester, United Kingdom
loacation Chester....United Kingdom

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 Job Description 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 We use insights and analytics to ensure responsible lending and continuously enhance our credit strategies. In this role, you’ll: 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   – 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. 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. 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.

Other Ai Matches

Software Engineer Applicants are expected to have a solid experience in handling Job related tasks
Modern Workplace Tech Bar Lead Applicants are expected to have a solid experience in handling Job related tasks
Marketing and Modeling- AI Risk Oversight - Model Risk Office - Assistant Manager Applicants are expected to have a solid experience in handling Job related tasks
Senior Service Designer (12-Month FTC) Applicants are expected to have a solid experience in handling Job related tasks
Lead Solution Architect Applicants are expected to have a solid experience in handling Job related tasks
Treasury SME Applicants are expected to have a solid experience in handling Job related tasks
Securitisation Finance Manager (12 months FTC) Applicants are expected to have a solid experience in handling Job related tasks
Lead Android Software Engineer Applicants are expected to have a solid experience in handling Job related tasks
Senior Enterprise Architect Applicants are expected to have a solid experience in handling Job related tasks
Senior Data Operations Specialist Applicants are expected to have a solid experience in handling Job related tasks
Lawyer – Consumer Finance Legal (CF Legal) - 12 month FTC Applicants are expected to have a solid experience in handling Job related tasks
Content Designer (12-Month FTC) Applicants are expected to have a solid experience in handling Job related tasks
Senior Infrastructure Specialist – z Mainframe Db2 DBA Applicants are expected to have a solid experience in handling Job related tasks
Senior Site Reliability Engineer Applicants are expected to have a solid experience in handling Job related tasks
Credit Officer - Securitisation - Financial Institutions Applicants are expected to have a solid experience in handling Job related tasks
Software Engineer - Backend Applicants are expected to have a solid experience in handling Job related tasks
Subsidence Indemnity Manager Applicants are expected to have a solid experience in handling Job related tasks
Healthcare Relationship Director Applicants are expected to have a solid experience in handling Job related tasks
Software Engineer Applicants are expected to have a solid experience in handling Job related tasks
Senior Enterprise Architect (Markets and Investments) Applicants are expected to have a solid experience in handling Job related tasks
Cloud Platform DevOps Senior Engineer GCP Applicants are expected to have a solid experience in handling Job related tasks
Manager, Global Markets Infrastructure Advisory (FTC) Applicants are expected to have a solid experience in handling Global Markets Infrastructure Advisory (FTC) related tasks
Senior Android Software Engineer Applicants are expected to have a solid experience in handling Job related tasks