Senior Credit Analyst – Unsecured Lending (Consumer Credit) in Chester

Salary Range: £43,803 - £48,670

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

Flexible Working Options: Job Share

Location(s): Newport, Halifax, 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, at one of our office sites. Colleagues with disabilities can be supported with workplace adjustments including hybrid working expectations in line with our Flexibility Works policy.

What you will be doing?

In this role, you’ll use data, insight and analytical thinking to support responsible lending and continuously enhance Consumer Credit strategies. You’ll work confidently with complex datasets, using tools such as SAS and Excel within a robust control environment to explore performance, identify trends and uncover risks or optimisation opportunities across unsecured lending portfolios. You’ll have responsibility for overseeing and developing credit strategies, ensuring they remain aligned to risk appetite, regulatory expectations and positive customer outcomes. This will involve monitoring portfolio performance, leading deep dive analysis and translating findings into clear, practical recommendations that balance risk, affordability, reward and commercial objectives. You’ll regularly produce trusted, high-quality reporting and insight to support senior decision‑making, and you’ll work collaboratively with colleagues across Credit Risk, Product and Risk Infrastructure to safely deliver change and support growth. Sharing insights clearly will be key, whether you’re presenting proposals to senior stakeholders or championing continuous improvement, automation and more effective ways of working.

Why join us?

Join us and, give us your best and we’ll give you ours. Here, you’ll make a difference to customers, you’ll enjoy a fulfilling career where you’re free to be yourself. Great colleagues, amazing workspaces, hybrid working and huge career opportunities—you’ll find them all here.

What we’re looking for:

• Around 2 years or more of practical experience using analytical or coding tools such as SAS and/or SQL, with confidence working in Excel and PowerPoint to analyse data and present insights clearly.
• A strong numerate foundation, gained through a numerate degree or equivalent quantitative experience.
• Experience in strategy development and portfolio analysis, working with large and complex datasets to interpret data thoughtfully and translate analysis into clear, actionable insight.
• Clear communication skills, with the ability to explain technical concepts and findings in an accessible way to different audiences.
• An organised approach to work, with the ability to manage priorities and adapt to change in a fast-moving environment.
• A growth mindset, with an interest in learning, developing new skills and supporting the development of others.

And any of these would be great:

• Experience mentoring, coaching or supporting less experienced analysts.
• Exposure to consumer credit or unsecured lending environments.
• Experience improving analytical processes, reporting or automation.

We know that great talent comes from many backgrounds. Whilst this job advert may reference specific years of experience, 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
• 28 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. 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.