Credit Analyst - Personal Accounts

Position: Credit Analyst - Personal Current Accounts

End Date

Sunday 11 January 2026

Salary Range

£29,460 - £31,010

We support flexible working –  for more information on flexible working options Flexible Working Options

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Job Description Summary

This is a full time role based in either Newport or Halifax.

Job Description

• JOB TITLE:
  Credit Analyst – Personal Current Accounts.
• SALARY: £29,460
• LOCATION(S):
  Newport or Halifax
• HOURS
  :
  Full-time – 35 hours a 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.

About this Opportunity

Join our Personal Current Account, Credit Risk team within the Chief Credit Office. Our responsibilities include managing our existing Overdraft portfolio, the development and optimisation of risk strategies for new and existing customers whilst proactively helping to protect more vulnerable customers. The team is responsible for our Lloyds, Halifax and Bank of Scotland brands, handling a substantial personal current account portfolio.

We need to have effective strategies to ensure we make the right lending decisions for customers – not only at the right time, but also with the right assistance and doing this requires some serious analytical and technical skills.

We're looking for a highly motivated individual who is keen to develop their analytical skills within Risk, and ready to learn and respond in a fast-paced environment.

What you'll be doing

• Support a range of Personal Current Account credit risk management strategies including New Business Account Originations, Existing Customer Lending and Credit Limit Decreases.
• Analyse and interpret a range of risk data, maintaining production of high-quality analysis, that support stakeholder needs.
• Works with support to collate and analyse data, typically utilising SAS Enterprise Guide and Excel.
• Organise and prepare risk strategy documents.
• Gather and summarise risk data for BAU monitoring and reporting.
• Keep track of risk parameters and identifies and reports any major deviation to more senior colleagues.
• Analyses specified problems and incidents to find the root cause and recommend potential solutions.
• Deliver innovative solutions to enhance existing processes and systems.
• Responds to individual and team objectives and invests in improving personal performance by growing own skills and capabilities.

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

• Comfortable working with numbers, demonstrated either through a degree/qualification in a numerate subject, or equivalent quantitative experience gained in previous roles.
• An aptitude for learning programming languages (e.g. SQL, SAS, R, Python) – whilst prior coding experience isn’t essential, development of these skills to manipulate and analyse data will from a key part of the role.
• Analytical problem solver, able to work creatively with data to draw out insight and answer business questions.
• Effective communicators, building positive relationships with partners and communicating recommendations clearly to influence business decisions.
• Well organised and able to manage their own workload while adapting to changing priorities.
• Proactive in progressing their own personal development and collaborating with others to improve the culture of the wider team.

About working for us

Our focus is to ensure we’re inclusive every day, building an organisation that reflects modern society and celebrates diversity in all its forms.

We want our people to feel that they belong and can be their best, regardless of background, identity or culture.

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.

And it’s why we especially welcome applications from under‑represented groups.

We’re disability confident. So if you’d like reasonable adjustments to be made to our recruitment processes, just let us know.

We also offer a…