Transport Credit Risk Analyst

End date

Tuesday 27 June 2023

Salary range

£26,980 - £28,400

We support agile working

Click here for more information on agile working options.

Agile Working Options

Hybrid Working

Job description

About Us

We are a Credit Risk team supporting the market leaders in Transport through the Blackhorse and Lex Autolease businesses within Lloyds Banking Group. We make credit decisions on over £6bn of lending every year.

Core Purpose of the Role

Our team purpose is to deliver responsible and sustainable lending to help get customers on the road. We do this by taking ownership to act, while supporting each other and valuing difference. This is key in Helping Britain Prosper.

We’re accountable for making responsible lending decisions for Personal and Business customers through the use of automated credit strategies. We’re continually using our knowledge and analytics to improve credit decisions and maximise the efficiency of the credit decisioning systems. We oversee key aspects of the portfolio to ensure we’re acting in the best interests of our customers and we support the business to deliver safe and sustainable growth.

As an analyst in the team, you’ll provide technical insight to the Transport Credit Risk strategies and systems, defining and delivering analysis to support the team goals. You’ll form relationships with the wider Risk team and 1st line business areas, supporting management to respond to specific requests from stakeholders.

It’s an exciting time to be joining the Transport team as we’re heavily investing in our data and infrastructure to enhance our credit decisioning capabilities and you could really help us to shape and deliver the outcome. The Group has set out its ambitions to become a market leader in low emissions and sustainability, and Transport is a key part of that plan. If you want to support the Bank on its journey to be carbon zero by 2030, come and join us.

What are we looking for?

You’ll need to be confident with data and systems in order to produce management information to inform key decisions, and perform high quality testing to ensure our changes are implemented safely. 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.

Essentials

• Strong numerate skills and qualifications (either A-Level or Degree)
• Practical experience using Microsoft Office - confident in using Excel and PowerPoint to manipulate and present data.
• Accuracy and attention to detail - you’ll need to work swiftly and efficiently to review data and perform testing of system changes
• Effective Communicator - ability to explain complicated issues clearly to different audiences; 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.
• Organisation & Time Management - proven ability to work well within a team environment without the need for close supervision and showing good time management and planning/organisation skills

Desirables

• Knowledge and experience of Credit Risk and Change Management
• Practical experience of using analytical software and coding, such as SAS or SQL and PowerBI.

What will you get in return?

A great reward package, including 24 days holiday, generous pension contributions and additional 4% of your salary to be used within our Flex scheme. You’ll learn new skills and be given opportunities to grow and develop to help you achieve a rewarding and fulfilling career. We’re a very supportive team who care about your wellbeing. Our Hybrid ways of working supports your work-life balance, with a mix of home and office working.

We’re committed to building a workforce which reflects the diversity of the customers and communities we serve. So, if you’d like to come and work with us in a supportive and exciting credit risk role, we would love to hear from you!

Together we make it possible!