At a Glance
- Tasks: Analyse data to manage transport credit risks and support sustainable growth.
- Company: Join Lloyds Banking Group's innovative Credit team in the Transport sector.
- Benefits: Enjoy flexible working, generous holiday, health insurance, and discounts on various products.
- Other info: Opportunity for career growth and mentoring junior colleagues in a dynamic environment.
- Why this job: Make a real impact on carbon reduction and shape the future of transport finance.
- Qualifications: Strong analytical skills, effective communication, and a passion for problem-solving required.
The predicted salary is between 54450 - 66550 £ per year.
- We’re a Credit team supporting the market leaders in Transport through the Blackhorse, Lex Autolease and Tusker businesses within Lloyds Banking Group.
- We are accountable for over £6bn of lending annually, and £10bn of Residual Value exposure
- We use analytics to optimise and improve our strategies and lend safely to our customers
- We support the business to deliver safe and sustainable growth, meeting the Group’s stated net zero objectives and ensuring financial risk is contained
- It’s an exciting time to join the Transport Credit team as we’re heavily investing in our data and infrastructure to improve our risk management capabilities and you’ll help us to shape and deliver this
- The Transport portfolio has ambitious plans to grow, digitise and evolve to meet our customers’ needs over the next 3 years
- If you want to help the Bank on its journey to be carbon zero by 2030, come and join us
- The role involves interrogating and interpreting internal and external data, developing high quality insight to advise on key risks
- The role includes working with a variety of technical and non-technical partners so an ability to present findings, dependent on audience, is key to succeeding in this role
• The role covers analytics in
- Sustainability – working as part of the team to learn, develop and improve Electric Vehicle (EV) strategy, completing analysis to support the LBG Risk Appetite underpinning the 2030 target setting for carbon emissions!
- Residual Value setting oversight (large quantities of data analysed across vehicle types, terms/mileages etc…)
- Risk Policy management, review and challenge (responsible for oversight of monthly uploads, highlighting issues, raising with colleagues and presenting changes)
- Portfolio management – providing regular update on the changing nature of the portfolio
- As a senior analyst in the team, junior colleagues will look to you to set a good example in organising your work and continually developing yourself
Benefits
- A generous holiday allowance: You’ll be eligible for a minimum of 22 days holiday (excluding bank holidays), rising to 30 days based on length of service and grade.
- A flexible way of working: Whether you want flexibility over your location or when you log on, together we can create an approach that works for you and for the business.
- Family leave: Up to 63 weeks of maternity or adoption leave.
Statutory maternity or adoption pay is available for 39 weeks, and 20 weeks will be enhanced to the equivalent of full pay.
Partners can have six weeks of fully paid paternity leave.
- Flex cash: This is 4% of your basic salary and can be used to spend on the benefits of your choice, or you can choose to take it as a cash top up in your monthly salary.
- Health insurance: Our company funded Private Medical Benefit provides all colleagues with access to good quality medical care, including accommodation, nursing care and specialist advice.
- Colleague
Offers: Get discounts on everything from electrical items to cinema tickets and weekly food shopping.
You can share this benefit with up to ten family members or friends.
- Financial products: Take advantage of our great financial products, some at a discounted rate, including current accounts, home and car insurance and loans.
- Share plans: Participate in Sharematch and receive matching shares of up to £45 a month from the company, and you can choose to participate in Sharesave, our combined savings and share option plan.
- Pension: We offer a generous pension plan, with all joiners being automatically enrolled in our ‘Your Tomorrow’ scheme.
You can decide how much you save and get a say in where your contributions are invested.
We don’t expect you to be advanced in them all already, but be prepared to learn on the job and have the motivation to develop
- Knowledge of Risk and Change Management – an understanding of what credit risk and residual value risk is, and how we manage it
- Strong numerate skills and qualifications (either A-Level or Degree)
- 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, sometimes you need to look elsewhere, and this takes a curious, creative attitude and logical thinking to explore the problem and find a solution
- Analytical expertise – practical experience of using analytical software and coding, such as SAS or SQL, and be confident in using Microsoft Office, particularly Excel and Powerpoint
- Deputising for Management where required and supporting them to shape initiatives
- Proficient in Power BI
- Coaching junior members of the team
- Experience in both personal and business lending
- #J-18808-Ljbffr
Senior Transport Credit Risk Analyst (Residual Value Risk) in Cardiff employer: Lloyd's
Lloyd's is an exceptional employer that fosters a collaborative work culture, allowing you to lead complex programmes in a dynamic environment. With a strong focus on employee well-being and professional growth, we offer comprehensive benefits including healthcare, a generous pension, and opportunities for continuous development, all within the vibrant setting of Greater London.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Transport Credit Risk Analyst (Residual Value Risk) in Cardiff
✨Tap into Campus Networks
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✨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 Lloyd's. 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 Transport Credit Risk Analyst (Residual Value Risk) in Cardiff
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 Lloyd's.
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 Lloyd's'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 Lloyd's
✨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 Lloyd's.
✨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 Lloyd's 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 Lloyd's 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.
