At a Glance
- Tasks: Shape smarter credit decisions using advanced analytics and AI innovation.
- Company: Join a leading organisation committed to sustainable lending and diversity.
- Benefits: Generous pension, performance bonuses, flexible benefits, and 28 days holiday.
- Other info: Exciting opportunities for career growth and personal development.
- Why this job: Make a real impact on the UK's transition to a greener future.
- Qualifications: Strong numerate skills and analytical experience with SAS or SQL.
The predicted salary is between 50000 - 65000 £ per year.
Join a high-impact team at the forefront of responsible and sustainable lending, helping customers get on the road while supporting the UK's transition to a greener future! You'll shape smarter credit decisions through advanced analytics and automated strategies, driving better outcomes for both Personal and Business customers. As part of a team accountable for safe, sustainable portfolio growth, you'll play a key role in improving how we make lending decisions and enhancing the efficiency of our systems. In this senior role, you'll lead by example, continuously developing your expertise while supporting others to thrive! It's an exciting time to join, with significant investment in data, technology and low-emissions ambition‑giving you real opportunity to influence change and contribute to our journey to carbon zero by 2030.
Responsibilities
- Using knowledge and analytics to improve credit decisions and maximise the efficiency of the credit decisions.
- AI‑led credit innovation – Build understanding of AI capabilities and identify innovation opportunities across consumer and business lending.
- Use data and systems to produce management information to inform key decisions.
- Perform high quality testing to ensure our changes are implemented safely.
Qualifications
- Strong numerate skills and qualifications – A‑Level or above.
- Analytical expertise – 12 months or more practical experience of using analytical software and coding; SAS or SQL, AI tools, Microsoft Office, particularly Excel and Powerpoint.
- Knowledge of Risk and Change Management – an understanding of what credit risk and residual value risk is, and how we manage it.
- Effective Communicator – ability to explain complicated issues clearly to different audiences; technical, non‑technical, junior colleagues and senior management; both verbally and non‑verbally.
- Enthusiasm for problem solving – when the answer isn't in the data, it takes a curious, creative attitude and logical thinking to explore the problem and find a solution.
Additional skills
- PowerBI.
- Experience in coaching junior members of a team.
- Experience deputising for Management and supporting them to shape initiatives.
- Experience in both personal and business lending.
We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer Initiative. We want to ensure all our candidates have the opportunity to shine. Please let us know if there is anything we can do to make the sure the assessment process works 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.
Benefits
- 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
Transport Credit Risk Senior Analyst in Birtley employer: Lloyds Banking Group
Join a forward-thinking organisation that prioritises responsible lending and sustainability, offering you the chance to make a real impact in the transport sector. With a strong commitment to employee development, a diverse and inclusive work culture, and generous benefits including a substantial pension contribution and flexible lifestyle perks, this role provides an excellent opportunity for personal and professional growth. Be part of a team that is not only shaping smarter credit decisions but also driving the UK's transition to a greener future.
StudySmarter Expert Advice🤫
We think this is how you could land Transport Credit Risk Senior Analyst in Birtley
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
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Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
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Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
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Don’t shy away from reaching out directly to firms like Lloyds Banking Group. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Transport Credit Risk Senior Analyst in Birtley
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Lloyds Banking Group.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Lloyds Banking Group's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Lloyds Banking Group
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Lloyds Banking Group.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Lloyds Banking Group will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Lloyds Banking Group employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
