Job Description

End Date

Monday 22 June 2026

Salary Range

£44,901 - £49,890

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

Flexible Working Options

Hybrid Working, Job ShareWould you like a job where responsible lending and cars go hand in hand?

We have an exciting opportunity for two credit risk analysts to join our team!

We are accountable for over £7bn of automated lending decisions every year in Transport. We produce insight through analytics to make sure we lend safely to our customers and continually improve our credit strategies to optimise our decisions.

JOB TITLE: Transport Credit Risk Senior Analyst

SALARY: As per range

LOCATION: Leeds – Wellington Place

ADDITIONAL LOCATIONS: Chester Cawley House, Edinburgh, Manchester, Newport

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

Join a high-impact team at the forefront of responsible and sustainable lending, helping customers get on the road while supporting the UK’s transition to a greener future!

You’ll shape smarter credit decisions through advanced analytics and automated strategies, driving better outcomes for both Personal and Business customers. As part of a team accountable for safe, sustainable portfolio growth, you’ll play a key role in improving how we make lending decisions and enhancing the efficiency of our systems.

In this senior role, you’ll lead by example, continuously developing your expertise while supporting others to thrive!

It’s an exciting time to join, with significant investment in data, technology and low-emissions ambition—giving you real opportunity to influence change and contribute to our journey to carbon zero by 2030.

What you’ll be doing:

• Using knowledge and analytics to improve credit decisions and maximise the efficiency of the credit decisions.

• AI – led credit innovation – Build understanding of AI capabilities and identify innovation opportunities across consumer and business lending.

• Use data and systems to produce management information to inform key decisions.

• Perform high quality testing to ensure our changes are implemented safely.

Why join us?

If you think all banks are the same, you’re wrong. We’re a pioneering, fast-changing business that’s shaping finance as a force for good. If you’re after a role where you can have an impact and do the best work of your career, you’ve just found it.

What we’re looking for:

The list here gives you information about the qualifications, skills and experience we’re looking for. We don’t expect you to be advanced in them all but be prepared to learn on the job and have the motivation to develop.

• Strong numerate skills and qualifications - A-Level or above.

• Analytical expertise – 12 months or more practical experience of using analytical software and coding; SAS or SQL, AI tools, Microsoft Office, particularly Excel and Powerpoint.

• Knowledge of Risk and Change Management – an understanding of what credit risk and residual value risk is, and how we manage it.

• Effective Communicator – ability to explain complicated issues clearly to different audiences; technical, non-technical, junior colleagues and senior management; both verbally and non-verbally.

• Enthusiasm for problem solving – when the answer isn’t in the data, it takes a curious, creative attitude and logical thinking to explore the problem and find a solution.

And any of these would be great:

• PowerBI.

• Experience in coaching junior members of a team.

• Experience deputising for Management and supporting them to shape initiatives.

• Experience in both personal and business lending.

We know that great talent comes 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

We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. And, as a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long-term health or neurodivergent condition through the Disability Confident Scheme.

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.

We want to ensure all our candidates have the opportunity to shine. Please let us know if there is anything we can do to make the sure the assessment process works for you.

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.

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

• 28 days’ holiday, with bank holidays on top

• A range of wellbeing initiatives and generous parental leave policies

Ready for a career where you’ll learn 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.