Credit Analyst managing Personal Current Account credit risk strategies for Lloyds Banking Group. Analyzing risk data and optimizing lending strategies while supporting vulnerable customers.
Responsibilities
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 support stakeholder needs.
Works with support to collate and analyse data, typically utilising SAS Enterprise Guide and Excel.
Organise and prepare risk strategy documents.
Gather and summarise risk data for BAU monitoring and reporting.
Keep track of risk parameters and identifies and reports any major deviation to more senior colleagues.
Analyses specified problems and incidents to find the root cause and recommend potential solutions.
Deliver innovative solutions to enhance existing processes and systems.
Responds to individual and team objectives and invests in improving personal performance by growing own skills and capabilities.
Requirements
Comfortable working with numbers, demonstrated either through a degree/qualification in a numerate subject, or equivalent quantitative experience gained in previous roles.
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 from a key part of the role.
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.
Benefits
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
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