End Date
Wednesday 11 June 2025
Salary Range
£29,460 - £31,010
We support flexible working – click here for more information on flexible working options
Flexible Working Options
Hybrid Working, Job Share
Job Description Summary
This is a full time role based in Leeds, Chester or Newport/Cardiff.

Job Description

• JOB TITLE: Credit Analyst

SALARY: £29,460

• LOCATION(S): Leeds, Chester or Newport/Cardiff.
• HOURS: Full-time
• 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.
  About this Opportunity
  Here at Lloyds Banking Group, we put our customers at the heart of everything we do, and every colleague has an important part to play.
  The Cards Originations Credit Risk team sits within the Chief Credit Office and is accountable for making automated credit decisions for annual lending of c.£6bn through our market leading Credit Cards products, across Lloyds, Halifax, BoS and MBNA brands.
  We produce insight through analytics to make sure we lend responsibly and continually improve our credit strategies to optimise our decisions to benefit our customers and the Bank.
  The team is responsible for defining all aspects of credit risk strategy, preparing loss forecasts, proactively managing risk and reward through strategy optimisation while ensuring the portfolio remains resilient and within risk appetite.
  We’re looking for a highly motivated individual who is curious, numerate and ready to learn and respond in a fast-paced environment within the team.
  What you’ll be doing?

The role involves using tools such as SAS and Excel to manipulate and interrogate data whilst ensuring you work within a robust control environment. Your accountabilities will also include:

• Carrying out data analytics to support customer needs
• Producing regular high quality and trusted reporting and analytics
• Collaborating with other teams within credit risk and infrastructure to deliver improvements to credit strategies
• Adopting a continuous improvement attitude, looking for opportunities to automate and transform processes

Why Lloyds Banking Group
If you think all banks are the same, you’d be wrong. We’re an innovative, fast-changing business that’s shaping finance as a force for good. A bank that’s empowering its people to innovate, explore possibilities and grow with purpose.
What you’ll need
We’ll provide you with a diverse, energising and lively environment that focuses on equal opportunity and real career progression. We’ll take your personal and professional development very seriously and allow you to make a genuine difference throughout your career with us.

We’re looking for people who are:

• Comfortable working with numbers and have either a good degree in a numerate subject or equivalent quantitative experience gained in previous roles
• Experience in use of or willing to learn programming languages e.g. SAS, SQL
• Analytical problem solvers, able to work creatively with data to draw out insight and answer business questions.
• Proactive in progressing their own personal development and collaborating with others to improve the culture of the wider team

• Prior experience of credit risk in a retail banking environment is a strong plus

  About working for us
  Our focus is to ensure we’re inclusive every day, building an organisation that reflects modern society and celebrates diversity in all its forms.
  We want our people to feel that they belong and can be their best, regardless of background, identity or culture.
  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.
  And it’s why we especially welcome applications from under-represented groups.
  We’re disability confident. So if you’d like reasonable adjustments to be made to our recruitment processes, just let us know.

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

If you’re excited by the thought of becoming part of our team, get in touch.
We’d love to hear from you.
At Lloyds Banking Group, we’re driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities. With us you’ll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you’ll have many opportunities to learn, grow and develop.
We keep your data safe. So, we’ll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks. We’ll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person.
We’re focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we’re building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference

• Carrying out data analytics to support customer needs
• Producing regular high quality and trusted reporting and analytics
• Collaborating with other teams within credit risk and infrastructure to deliver improvements to credit strategies
• Adopting a continuous improvement attitude, looking for opportunities to automate and transform processe