Senior Credit Analyst

**End Date**Tuesday 20 January 2026**Salary Range**£0 - £0**Flexible Working Options**Job Share**Job Description Summary**.**Job Description****JOB TITLE:** Senior Credit Analyst – Consumer Credit**SALARY:** £44,901 - £49,890**LOCATION(S):** Halifax, Newport and Chester**HOURS:** Full time, 35 hours per week**WORKING PATTERN:** Our work style is hybrid, which involves spending at leasttwo days per week, or 40% of our time, at one of our office sites**About this Opportunity**Join our Personal Current Account Credit Risk team in the Chief Credit Office. We manage the Overdraft portfolio, developing risk strategies for new and existing customers while supporting vulnerable individuals. We’re responsible for Lloyds, Halifax, and Bank of Scotland brands, handling a significant personal current account portfolio. Our goal is to make the right lending decisions at the right time, with the right support which requires strong analytical and technical expertise.**Day to day responsibilities**We use insights and analytics to ensure responsible lending and continuously enhance our credit strategies. In this role, you’ll:* Work with tools like SAS and Excel to manipulate and interrogate data within a robust control environment.* Monitor portfolio performance and conduct deep dives to uncover trends and opportunities.* Oversee and develop credit strategies to ensure we lend responsibly to our customers.* Deliver regular high-quality trusted reporting and insights to support customer needs.* Collaborate across Credit Risk, Product, and Risk Infrastructure to safely deliver change and support growth opportunities.* Develop actions that balance risk and reward while supporting business goals.* Present insights to senior colleagues and champion improvement and automation.* Mentor junior team members and stay informed on industry, regulatory, and data developments.**Why Lloyds Banking Group**Like the modern Britain we serve, we’re evolving. Investing billions in our people, data and tech to transform the way we meet the ever-changing needs of our 26 million customers. We’re growing with purpose. Join us on our journey and you will too.**What you’ll need:*** **Strong numerate skills**- Comfortable working with numbers and have either a degree in a numerate subject or equivalent quantitative experience gained in previous roles.* **Coding experience**- Practical experience of using analytical software and coding, such as SAS, and be confident in using Microsoft Office, particularly Excel and PowerPoint.* **Experienced analytical problem solver**– strongly evidence the ability to work creatively and accurately with complex data to derive clear insights and answer business questions.* **Effective communicator**- Builds positive relationships with partners and able to clearly explain complex issues and insights to different audiences, both verbally and non-verbally.* **Self-starter**- Well organised and able to adapt to changing priorities.* **Growth mindset**- Proactive in progressing your own personal development and collaborating with others to improve the culture of the wider team.**And any experience of these would be really useful**:* Prior experience of credit risk in a retail banking environment, particularly developing and oversighting credit strategies.**About working for us**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 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 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 provide reasonable adjustments throughout the recruitment process to reduce or remove barriers. Just let us know what you need.**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**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.**With 320 years under our belt, we're used to change, and today is no different. Join us and help drive this change, shaping the future of finance whilst working at pace to deliver for our customers.Here, you'll do the best work of your career. Your impact will be amplified by our scale as you learn and develop, gaining skills for the future.
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