Tuesday 06 October 2026
£30,201 - £31,790
We support flexible working – click here for more information on flexible working options
Hybrid Working, Job Share
JOB TITLE: Credit Analyst
SALARY: From £30,201
LOCATION(S): Chester or Cardiff
HOURS: Full time – 35 hours per week
WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time in the office. Colleagues with disabilities can be supported with workplace adjustments including hybrid working expectations in line with our Flexibility Works policy.
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.£8bn through our market leading Credit Cards products across 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.
Why join us?
We’re on an exciting journey to transform our Group and the way we’re shaping finance for good. We’re focusing on the future, investing in our technologies, workplaces, and colleagues to make our Group a great place for everyone.
What we’re looking for?
We know that great talent comes from many backgrounds. We recognise that skills are developed in many ways, so if you have relevant, transferable experience, we encourage you to apply.
Our ambition is to be the leading UK business for diversity, equity and inclusion supporting our customers, colleagues and communities and we’re committed to creating an environment in which everyone can thrive, learn and develop.
Ready for a career where you’ll learn and thrive?
Apply today and find out more.
Please note our roles can generate a considerable amount of interest and close early so don't miss out on this opportunity to apply today.
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.
Our purpose is Helping Britain Prosper. We do this by creating a more sustainable and inclusive future for people and businesses, shaping finance as a force for good.
We're part of an ever-changing industry and are currently on a journey to shape the financial services of the future, whilst supporting our customers’ changing needs.
The scale and reach of our Group means we can offer a broad range of opportunities to learn, grow and develop. Our values-led culture and approach to inclusion and diversity means we can all make a real difference together.
