Overview
This is a full-time, permanent role based in Newport (moving to Cardiff from September 2026), Halifax or Chester. The work style is hybrid, with at least two days per week in the office (or 40% of time in office). Flexible working options are supported.
Job details
Job title: Credit Analyst - Unsecured Lending
Salary: £29,460
Locations: Newport (moving to Cardiff from September 2026), Halifax or Chester
Hours: Full-time, 35 hours per week
Responsibilities
- Join the Personal Current Account, Credit Risk team within the Chief Credit Office.
- Manage the existing overdraft portfolio and contribute to the development and optimisation of risk strategies for new and existing customers, including protection of vulnerable customers.
- Support Lloyds, Halifax and Bank of Scotland brands in handling a substantial personal current account portfolio.
- Develop effective lending decisions through analytical and technical skills to ensure timely and appropriate customer support.
- Develop as a motivated analyst within Risk, adapting to a fast-paced environment.
- 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 risk data, producing high-quality analyses using SAS Enterprise Guide and Excel as required.
- Organise and prepare risk strategy documents and summarise risk data for BAU monitoring and reporting.
- Analyse problems/incidents to identify root causes and recommend solutions.
- Deliver innovative solutions to improve processes and systems.
- Respond to individual and team objectives and invest in personal development and capability growth.
What we’re looking for
- Comfortable working with numbers, demonstrated by a degree/qualification in a numerate subject or a minimum of 2 years of quantitative experience.
- Analytical problem solver with the ability to draw insights from data to inform business decisions.
- Effective communicator able to build positive relationships and clearly communicate recommendations.
- Well organised with the ability to manage workload and adapt to changing priorities.
- Proactive in personal development and collaboration to improve team culture.
Preferred/additional experience
- Aptitude for learning programming languages (e.g., SQL, SAS, R, Python). Prior coding experience is not essential, but developing these skills to manipulate and analyse data will be a key part of the role.
Why join us
We are transforming our Group and shaping finance for good, focusing on the future by investing in technologies, workplaces and colleagues to make Lloyds Banking Group a great place for everyone. The role supports diversity, equity and inclusion and provides opportunities to learn and develop.
Benefits
- Generous pension contribution of up to 15%
- Annual performance-related bonus
- Share schemes including free shares
- Flexible benefits to suit lifestyle (discounted shopping, etc.)
- 24 days’ holiday plus bank holidays
- Wellbeing initiatives and parental leave policies
Ready for a career where you’ll learn and thrive? Apply today.
Credit Analyst - Unsecured Lending in Newport employer: PVH (Tommy Hilfiger/Calvin Klein)
Intapp is an exceptional employer, offering a dynamic work environment that fosters innovation and collaboration within the accounting and consulting sectors across EMEA. With a strong commitment to employee growth, Intapp provides ample opportunities for professional development and leadership coaching, ensuring that team members thrive in their careers while contributing to the company's strategic vision. The culture is built on accountability and high performance, making it an ideal place for those looking to make a significant impact in a rapidly evolving industry.
Contact Details:
PVH (Tommy Hilfiger/Calvin Klein) Recruitment Team
