Credit Analyst – Unsecured Lending
Full‑time, permanent role based in Newport (moving to Cardiff from September 2026), Halifax or Chester. Salary: £29,460. Hybrid working: at least two days per week (40%) in the office.
Responsibilities
- 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 high‑quality analysis to support stakeholder needs, using SAS Enterprise Guide and Excel.
- Organise and prepare risk strategy documents and summarise risk data for BAU monitoring and reporting.
- Analyse 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 invest in improving personal performance by growing own skills and capabilities.
Qualifications
- Comfortable working with numbers, demonstrated through a degree/qualification in a numerate subject or minimum 2 years of equivalent quantitative experience.
- Analytical problem solver, able to work creatively with data to draw out insight and answer business questions.
- Effective communicator, building positive relationships with partners and clearly influencing business decisions.
- Well‑organised, able to manage workload while adapting to changing priorities.
- Proactive in personal development and collaboration to improve team culture.
- Desired: aptitude for learning programming languages (SQL, SAS, R, Python), with or without prior coding experience.
Benefits
- Generous pension contribution of up to 15%.
- Annual performance‑related bonus.
- Share schemes, including free shares.
- Benefits adaptable to your lifestyle, such as discounted shopping.
- 24 days’ holiday plus bank holidays.
- Range of wellbeing initiatives and generous parental leave policies.
For contact enquiries, please email careers@lloydsbanking.com.
Credit Analyst – Unsecured Lending in Newport employer: Lloyds Bank plc
Lloyds Banking Group is an exceptional employer, offering a dynamic work environment in Cardiff that fosters professional growth and collaboration. With a competitive salary package, generous benefits including a robust pension scheme and flexible working options, employees are empowered to thrive both personally and professionally. The company prioritises inclusivity and well-being, ensuring that all team members can achieve their full potential while making a meaningful impact in the SME banking sector.
