Analyst – BCB Credit Risk Modelling

End Date: Friday 04 September 2026

Salary Range: £36,224 - £38,130

We support flexible working – Flexible Working Options Hybrid Working, Job Share.

This is a full time, permanent role based in Leeds, Bristol or Edinburgh.

Hours: Full-time, 35 hours. Working pattern: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time in the office. Colleagues with disabilities can be supported with workplace adjustments including hybrid working expectations in line with our Flexibility Works policy.

What you’ll be doing:

• As an Analyst in the BCB Credit Risk Modelling team, you’ll help develop and maintain models that support important business decisions across Business and Commercial Banking.
• You’ll work with data that helps us add value for customers, manage risk effectively and support a safe, strong bank.
• Working as part of a specialist modelling team, you’ll support different stages of the model development and maintenance process – from understanding regulatory requirements and turning them into analytical problems, through to exploring modelling approaches and helping build effective solutions.

This is a great opportunity for someone who enjoys working with data, solving problems and using insight to support better decision‑making across the business.

In this role you’ll:

• Develop and maintain prudential capital or impairment models for retail and commercial banking customers.
• Use coding languages (SAS and Python) for data manipulation and analysis.
• Work with Risk and Finance business partners to ensure projects meet regulatory and business requirements.
• Collaborate with multidisciplinary teams, including internal governance and implementation teams, to deliver effective analytical solutions.

Why join us?

We’re on an exciting journey to transform our Group and the way we’re shaping finance for good. We’re focusing on the future, investing in our technologies, workplaces, and colleagues to make our Group a great place for everyone.

What we’re looking for:

• A strong applied knowledge of statistical modelling e.g. regression or decision trees.
• Proficient in a coding language (e.g. SQL, SAS, Python) to manipulate data and produce insight using predictive analytics techniques.
• Training and support will be provided for the specific tools required for the role.
• Ability to present techniques & findings in a clear, visual manner to support senior business partners decision making, including non-technical colleagues.

And any experience of these would be great:

• Practical experience in capital or impairment credit‑risk modelling techniques and methods is desirable.
• Experience delivering projects as an individual or as part of a wider team.

We know that great talent comes from many backgrounds. We recognise that skills are developed in many ways, so if you have relevant, transferable experience, we encourage you to apply.

Our ambition is to be the leading UK business for diversity, equity and inclusion supporting our customers, colleagues and communities and we’re committed to creating an environment in which everyone can thrive, learn and develop.

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.
• 24 days’ holiday, with bank holidays on top.
• A range of wellbeing initiatives and generous parental leave policies.

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.