Hybrid Senior Credit Analyst – Consumer Credit

at Lloyds Banking Group

• Job title: Senior Credit Analyst – Consumer Credit
• Job type: Full Time
• Experience level: Senior
• Salary: £44,901 - £49,890 per year
• Degree requirement: Bachelor's Degree
• Location requirements: Hybrid, Leeds, United Kingdom

About the role

• Senior Credit Analyst driving responsible lending decisions for Customer & Affordability team at Lloyds Banking Group. Utilizing analytics and credit expertise to enhance automated affordability assessments.

Responsibilities

• Use tools such as SAS and Excel to manipulate, analyse and interrogate data within a strong control environment.
• Monitor affordability outcomes and lending rules, conducting deep dives to uncover trends, issues and opportunities.
• Support the development, oversight and optimisation of automated affordability calculations and customer‑level credit rules.
• Deliver high‑quality, trusted reporting, insight and recommendations to support responsible credit decisions and business growth.
• Collaborate across Credit Risk, Product, Policy, and Risk Infrastructure teams to safely deliver customer‑level change and strategic transformation.
• Develop insightful actions that balance risk, customer outcomes and commercial goals.
• Present findings to senior stakeholders and champion continuous improvement and automation.
• Provide guidance and mentorship to junior analysts and stay up to date with regulatory, industry and data developments.

Requirements

• Strong numerate skills – You’re comfortable working with numbers and have either a degree or equivalent experience in a numerate field.
• Coding experience – Practical experience with analytical software such as SAS, and confidence using Microsoft Office, especially Excel and PowerPoint.
• Experienced analytical problem solver – Able to work creatively and accurately with complex data to produce clear insights and answer strategic questions.
• Effective communicator – Skilled at building positive relationships and explaining complex issues clearly to technical and non‑technical audiences.
• Self‑starter – Well‑organised, adaptable and comfortable managing changing priorities.
• Growth mindset – Proactive in developing yourself and contributing to a positive, inclusive team culture.
• Prior experience in credit risk within retail banking, especially developing, analysing or overseeing affordability frameworks or credit strategies would be really useful.

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
• 28 days’ holiday, with bank holidays on top
• A range of wellbeing initiatives and generous parental leave policies