Senior Transport Credit Risk Analyst - Residual Value Risk

End Date

Sunday 09 August 2026

£44,901 - £49,890

We support flexible working.

• Flexibility in when hours are worked
• Hybrid Working
• Job Share
• Reduced Hours

Title:

Senior Credit Risk Analyst
- Transport

Location(s):
Cardiff, Chester, Manchester, Birmingham, Leeds or Halifax

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

We're a Credit team supporting the market leaders in Transport through the Blackhorse, Lex Autolease and Tusker businesses within Lloyds Banking Group. We are accountable for over £6bn of lending annually, and £10bn of Residual Value exposure.

We use analytics to optimise and improve our strategies and lend safely to our customers. We support the business to deliver safe and sustainable growth, meeting the Group's stated net zero objectives and ensuring financial risk is contained.

It's an exciting time to join the Transport Credit team as we're heavily investing in our data and infrastructure to improve our risk management capabilities and you'll help us to shape and deliver this. The Transport portfolio has ambitious plans to grow, digitise and evolve to meet our customers' needs over the next 3 years. If you want to help the Bank on its journey to be carbon zero by 2030, come and join us.

The role involves interrogating and interpreting internal and external data, developing high quality insight to advise on key risks. The role includes working with a variety of technical and non-technical partners so an ability to present findings, dependent on audience, is key to succeeding in this role.

• Sustainability - working as part of the team to learn, develop and improve Electric Vehicle (EV) strategy, completing analysis to support the LBG Risk Appetite underpinning the 2030 target setting for carbon emissions!
• Residual Value setting oversight (large quantities of data analysed across vehicle types, terms/mileages etc...)
• Risk Policy management, review and challenge (responsible for oversight of monthly uploads, highlighting issues, raising with colleagues and presenting changes)
• Portfolio management - providing regular update on the changing nature of the portfolio

As a senior analyst in the team, junior colleagues will look to you to set a good example in organising your work and continually developing yourself. 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 already, but be prepared to learn on the job and have the motivation to develop.

• Strong numerate skills and qualifications (either A-Level or Degree)
• Analytical expertise - practical experience of using analytical software and coding, such as SAS or SQL, and be confident in using 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, sometimes you need to look elsewhere, and this takes a curious, creative attitude and logical thinking to explore the problem and find a solution.

• Proficient in PowerBI
• Coaching junior members of the team
• Deputising for Management where required and supporting them to shape initiatives
• Experience in both personal and business lending.

• 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

We're committed to building a workforce which reflects the diversity of the customers and communities we serve.

Together we make it possible!

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 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 b