Credit Analyst – Unsecured Lending

About this role

End Date Thursday 30 July 2026

Salary Range £30,201 - £31,790

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

Flexible Working Options Job Share

This is a full time, permanent role based in either Newport (moving to Cardiff from September 2026), Halifax or Chester.

HOURS: Full-time, 35 hours per week

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:

• Join our Personal Current Account, Credit Risk team within the Chief Credit Office. Our responsibilities include managing our existing Overdraft portfolio, the development and optimisation of risk strategies for new and existing customers whilst proactively helping to protect more vulnerable customers.
• The team is responsible for our Lloyds, Halifax and Bank of Scotland brands, handling a substantial personal current account portfolio.
• We need to have effective strategies to ensure we make the right lending decisions for customers – not only at the right time, but also with the right assistance and doing this requires some serious analytical and technical skills.
• We're looking for a highly motivated individual who is keen to develop their analytical skills within Risk, and ready to learn and respond in a fast-paced environment.

In this role you’ll:

• Support a range of Personal Current Account credit risk management strategies including New Business Account Originations, Existing Customer Lending and Credit Limit Decreases.
• Analyse and interpret a range of risk data, maintaining production of high-quality analysis, that support stakeholder needs and typically utilise SAS Enterprise Guide and Excel.
• Organise and prepare risk strategy documents and summarise risk data for BAU monitoring and reporting.
• Analyses specified problems and incidents to find the root cause and recommend potential solutions.
• Deliver innovative solutions to enhance existing processes and systems.
• Respond to individual and team objectives and invests in improving personal performance by growing own skills and capabilities.

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?

• Comfortable working with numbers, demonstrated either through a degree / qualification in a numerate subject, or a minimum of 2 years equivalent quantitative experience, gained in previous roles.
• Analytical problem solver, able to work creatively with data to draw out insight and answer business questions.
• Effective communicators, building positive relationships with partners and communicating recommendations clearly to influence business decisions.
• Well organised and able to manage their own workload while adapting to changing priorities.
• Proactive in progressing their own personal development and collaborating with others to improve the culture of the wider team.

And any experience of these would be great:

• An aptitude for learning programming languages (e.g. SQL, SAS, R, Python) – whilst prior coding experience isn’t essential, development of these skills to manipulate and analyse data will form a key part of the role.

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.

This is a place for you: 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.

Ready for a career where you’ll learn and thrive? Apply today and find out more.

Please note our roles can generate a considerable amount of interest and close early so don't miss out on this opportunity to apply today.

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.