JOB TITLE: Credit Analyst - Unsecured Lending
LOCATION(S): Newport (moving to Cardiff from September 2026), Halifax or 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 in the office.
Colleagues with disabilities can be supported with workplace adjustments including hybrid working expectations in line with our Flexibility Works policy.
What you’ll be doing:
Join our Personal Current Account, Credit Risk team within the Chief Credit Office.
Our responsibilities include managing our existing Overdraft portfolio, the development and optimisation of risk strategies for new and existing customers whilst proactively helping to protect more vulnerable customers.
The team is responsible for our Lloyds, Halifax and Bank of Scotland brands, handling a substantial personal current account portfolio.
We need to have effective strategies to ensure we make the right lending decisions for customers - not only at the right time, but also with the right assistance and doing this requires some serious analytical and technical skills.
We’re looking for a highly motivated individual who is keen to develop their analytical skills within Risk, and ready to learn and respond in a fast‑paced environment.
In this role you’ll:
- 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 production of high‑quality analysis, that supports stakeholder needs and typically utilises SAS Enterprise Guide and Excel
- Organise and prepare risk strategy documents and summarise risk data for BAU monitoring and reporting
- Analyses 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 invests in improving personal performance by growing own skills and capabilities
We’re on an exciting journey to transform our Group and the way we’re shaping finance for good. We’re focusing on the future, investing in our technologies, workplaces, and colleagues to make our Group a great place for everyone.
What we’re looking for?
- Comfortable working with numbers, demonstrated either through a degree / qualification in a numerate subject, or a minimum of 2 years equivalent quantitative experience, gained in previous roles
- Analytical problem solver, able to work creatively with data to draw out insight and answer business questions
- Effective communicators, building positive relationships with partners and communicating recommendations clearly to influence business decisions
- Well organised and able to manage their own workload while adapting to changing priorities
- Proactive in progressing their own personal development and collaborating with others to improve the culture of the wider team
And any experience of these would be great:
An aptitude for learning programming languages (e.g. SQL, SAS, R, Python) – whilst prior coding experience isn’t essential, development of these skills to manipulate and analyse data will be a key part of the role.
We know that great talent comes from many backgrounds. 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
- 24 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.
Please note our roles can generate a considerable amount of interest and close early so don’t miss out on this opportunity to apply today.
Credit Analyst - Unsecured Lending in Newport employer: LLOYDS BANKING GROUP
Lloyds Banking Group is an exceptional employer that prioritises employee well-being and professional growth, offering a dynamic work culture that fosters collaboration and innovation. With the flexibility of remote working and opportunities for career advancement within the Economic Crime Prevention function, employees can thrive in a supportive environment while contributing to meaningful compliance efforts. The company's commitment to diversity and inclusion further enhances its appeal, making it a rewarding place to build a career.
