Job Description

End Date

Thursday 14 May 2026

Salary Range

£43,803 - £48,670

We support flexible working – click here for more information on flexible working options

Flexible Working Options

Job Share

JOB TITLE:Senior Credit Analyst – Unsecured Lending (Consumer Credit)

SALARY:£44,901–£49,890

LOCATION(S):Newport, Halifax, Chester

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, at one of our office sites. Colleagues with disabilities can be supported with workplace adjustments including hybrid working expectations in line with our Flexibility Works policy. 

What you will be doing?
In this role,you’lluse data, insight and analytical thinking to support responsible lending and continuously enhance Consumer Credit strategies.You’llwork confidently with complex datasets, using tools such as SAS and Excel within a robust control environment to explore performance,identifytrends and uncover risks or optimisation opportunities across unsecured lending portfolios.

You’llhave responsibility for overseeing and developing credit strategies, ensuring theyremainaligned to risk appetite, regulatoryexpectationsand positive customer outcomes. This will involve monitoring portfolio performance, leadingdeep diveanalysis and translating findings into clear, practical recommendations that balance risk, affordability,rewardand commercialobjectives

You’llregularly produce trusted,high-qualityreporting and insight to support seniordecision‑making, andyou’llwork collaboratively with colleagues across Credit Risk, Product and Risk Infrastructure to safely deliver change and support growth. Sharing insights clearly will be key, whetheryou’representing proposals to senior stakeholders or championing continuous improvement,automationand more effective ways of working.

Why join us?

Join us and, give us your best andwe’llgive you ours. Here,you’llmake a difference to customers,you’llenjoy a fulfilling career whereyou’refree to be yourself. Great colleagues, amazing workspaces, hybrid working and huge career opportunities-you’llfind them all here.

Whatwe’relooking for

• Around2 years or moreof practical experience using analytical or coding tools such as SAS and/or SQL, with confidence working in Excel and PowerPoint to analyse data and present insights clearly.

• A strong numerate foundation, gained through a numerate degree or equivalent quantitative experience.

•  Experience in strategy development and portfolio analysis, working with large and complex datasets to interpret data thoughtfully and translate analysis into clear, actionable insight.

• Clear communication skills, with the ability to explain technical concepts and findings in an accessible way to different audiences.

• An organised approach to work, with the ability to manage priorities and adapt to change in afast-movingenvironment.

• A growth mindset, with an interest in learning, developing new skills and supporting the development of others.

And any of these would be great

• Experience mentoring,coachingor supportingless experiencedanalysts.

• Exposure to consumer credit or unsecured lending environments.

• Experience improving analytical processes,reportingor automation.

We know thatgreat talentcomes from many backgrounds. Whilst this job advert may reference specific years of experience, we recognise that skills are developed in many ways, so if you have relevant, transferable experience, we encourage you to apply.

This is a place for you

Our ambition is to be the leading UK business for diversity, equity and inclusion supporting our customers, colleagues and communities andwe’recommitted to creating an environment in which everyone can thrive,learnand develop.

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

•28days’ holiday, with bank holidays on top

• A range of wellbeing initiatives and generous parental leave policies

Ready for a career whereyou’lllearn and thrive? Apply today and find out more.

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.