Senior Credit Analyst - Consumer Credit

End Date

Salary Range

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

Flexible Working Options

Job Description Summary

Job Description

Are you highly motivated, curious, numerate and ready to learn and respond in a fast-paced environment? If so we’ve got an exciting opportunity for a Senior Credit Risk Analyst in the Personal Current Account Credit Risk team.

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.

• 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.

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.

• 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.

• Prior experience of credit risk in a retail banking environment, particularly developing and overseeing credit strategies.

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.

• A generous pension contribution of up to 15%
• An annual…