Senior Credit Analyst - Consumer Credit

**End Date**: Monday 16 February 2026

**Salary Range**: £44,901 - £49,890

**Flexible Working Options**: Hybrid Working, Job Share

**Location(s)**: Chester, Edinburgh, Halifax and Leeds

**Hours**: Full-time

**Working Pattern**: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at one of our office sites.

**About this Opportunity**

As a Senior Credit Analyst in the Customer & Affordability team within Consumer Credit Risk, you will join our Customer & Affordability team in the Chief Credit Office. We shape and optimise the Group’s automated affordability assessments, helping ensure we lend responsibly while enabling strategic, low-risk growth across Lloyds Banking Group. We support credit decisioning across multiple products and brands, improving customer-level credit rules, enhancing our common policy standards, and contributing to key strategic change across LBG.

Our goal is simple: to make accurate, fair and responsible credit and affordability decisions for every customer, while continuously improving the frameworks and analytics that underpin our lending strategies.

**Day-to-day responsibilities**

• Use tools such as SAS and Excel to manipulate, analyse and interrogate data within a strong control environment.
• Monitor affordability outcomes and lending rules, conducting deep dives to uncover trends, issues and opportunities.
• Support the development, oversight and optimisation of automated affordability calculations and customer-level credit rules.
• Deliver high-quality, trusted reporting, insight and recommendations to support responsible credit decisions and business growth.
• Collaborate across Credit Risk, Product, Policy, and Risk Infrastructure teams to safely deliver customer-level change and strategic transformation.
• Develop insightful actions that balance risk, customer outcomes and commercial goals.
• Present findings to senior stakeholders and champion continuous improvement and automation.
• Provide guidance and mentorship to junior analysts and stay up to date with regulatory, industry and data developments.

**What you’ll need**

• Strong numerate skills – You’re comfortable working with numbers and have either a degree or equivalent experience in a numerate field.
• Coding experience – Practical experience with analytical software such as SAS, and confidence using Microsoft Office, especially Excel and PowerPoint.
• Experienced analytical problem solver – Able to work creatively and accurately with complex data to produce clear insights and answer strategic questions.
• Effective communicator – Skilled at building positive relationships and explaining complex issues clearly to technical and non-technical audiences.
• Self-starter – Well-organised, adaptable and comfortable managing changing priorities.
• Growth mindset – Proactive in developing yourself and contributing to a positive, inclusive team culture.

**And any experience of these would be really useful**

Prior experience in credit risk within retail banking, especially developing, analysing or overseeing affordability frameworks or credit strategies.

**About working for us**

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 offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. And, as a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long-term health or neurodivergent condition through the Disability Confident Scheme.

We provide reasonable adjustments throughout the recruitment process to reduce or remove barriers. Just let us know what you need.

**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

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’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.