Transport Credit Risk Analyst – Residual Value Risk
Location: Newport / Birmingham / Chester / Halifax or Leeds
Hours: Full-time, 35 hours per week
Work pattern: Hybrid – at least two days (or 40%) at an office site
Overview
We are seeking an analyst to support our Transport Credit team, which manages over £6bn of lending and £10bn of residual‑value exposure. The role involves analysing data to inform safe lending decisions, optimise residual‑value strategies, and support the Group’s net‑zero goals.
Key Responsibilities
- Analyse large data sets related to vehicle types, terms, and mileages to support residual‑value setting and oversight.
- Provide risk policy management, reviewing and challenging monthly uploads, highlighting issues, and presenting changes to stakeholders.
- Update the portfolio regularly, tracking changes and providing insights that influence decision‑making.
- Contribute to sustainability initiatives, including electric vehicle strategy and the 2030 carbon‑emission targets.
- Collaborate with technical and non‑technical partners, presenting findings to diverse audiences.
- Contribute to data‑driven improvements, helping to build a data and analytics infrastructure for risk management.
What We’re Looking For
- Strong numeracy skills and a qualification of at least A‑Level, degree or equivalent.
- Practical experience with Microsoft Office (Excel, PowerPoint) for data manipulation and presentation.
- Attention to detail and the ability to work swiftly and efficiently in data review and system testing.
- Excellent communication skills, able to explain technical issues clearly to varying audiences.
- Enthusiasm for problem solving, curiosity, and logical thinking to investigate unstructured data.
- Organisation and time‑management skills, with a proven ability to work independently within a team.
- Experience in credit risk and change management is highly desirable.
- Experience with analytical software and coding (SAS, SQL, PowerBI) is advantageous.
Benefits & Working Environment
- Generous pension contribution up to 15%.
- Annual performance‑related bonus.
- Private medical benefits with BUPA.
- Share schemes and flexible benefits (e.g., discounted shopping).
- 24 days of holiday (increasing over time) plus bank holidays.
- Well‑being initiatives and generous parental leave policies.
- Flexible working options – hybrid office, job sharing, variable hours, reduced hours.
Diversity & Inclusion
We actively promote a diverse and inclusive workforce. Our culture values modern society’s tapestry and encourages applicants from under‑represented groups, including people with disabilities. Reasonable adjustments can be made during the recruitment process.
Contact
Interested candidates should send their CV to careers@lloydsbanking.com. Please note that roles are often filled quickly; applications are reviewed on a rolling basis. All background checks are performed only after formal invitation to interview.
Transport Credit Risk Analyst - Residual Value Risk 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.
