At a Glance
- Tasks: Analyse data to enhance Consumer Credit strategies and oversee credit portfolios.
- Company: Dynamic financial institution committed to diversity and inclusion.
- Benefits: Generous pension, performance bonuses, flexible benefits, and 28 days' holiday.
- Other info: Hybrid working model with excellent career growth opportunities.
- Why this job: Make a real impact on customer outcomes while developing your analytical skills.
- Qualifications: 2+ years experience with SAS/SQL, strong numeracy, and clear communication skills.
The predicted salary is between 44901 - 49890 £ per year.
SALARY: £44,901 - £49,890
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 will use data, insight and analytical thinking to support responsible lending and continuously enhance Consumer Credit strategies. You will 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 will 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 will regularly produce trusted, high-quality reporting and insight to support senior decision-making, and you will 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 are presenting proposals to senior stakeholders or championing continuous improvement, automation and more effective ways of working.
Join us and give us your best and we will give you ours. Here, you will make a difference to customers, you will enjoy a fulfilling career where you are free to be yourself. Great colleagues, amazing workspaces, hybrid working and huge career opportunities - you will find them all here.
What we are 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 are 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 will learn and thrive?
Senior Credit Analyst - Unsecured Lending (Consumer Credit) 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.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Credit Analyst - Unsecured Lending (Consumer Credit) in Newport
✨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.
✨Get Certified
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.
✨Connect on Professional Platforms
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.
✨Apply Directly and Be Proactive
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 Senior Credit Analyst - Unsecured Lending (Consumer Credit) in Newport
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.
