Assistant Finance Manager - Effective Interest Rate

End Date Tuesday 24 June 2025 Salary Range £43,803 - £48,670 We support flexible working – click here for more information on flexible working options Flexible Working Options Flexibility in when hours are worked, Hybrid Working, Job Share Job Description Summary . Job Description JOB TITLE: Assistant Finance Manager - Effective Interest Rate SALARY: £43,803 - £48,670 LOCATION(S): Halifax, Bristol, Newport & Leeds 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. About this opportunity An exciting opportunity has arisen to join our dynamic Retail Financial Control & Reporting team within Group Finance Support (GFS), based across Yorkshire, the South West, and Wales. Group Finance Support is a vital function within the wider Finance community at LBG. Our team of around 300 colleagues is responsible for financial reporting and control, driving people and culture initiatives, and supporting the implementation of strategic priorities. As an Assistant Finance Manager, you’ll work closely with Retail Finance to strengthen our control environment and ensure confidence in the accuracy and integrity of financial reporting. You’ll play a pivotal role in delivering the monthly Effective Interest Rate (EIR) outputs for Credit Cards, Homes and Loans models, whilst ensuring a robust control environment. Day to day you’ll be: Delivering the monthly EIR automated solutions for Consumer Lending, focusing predominantly on Cards and Homes models [effectively spreading the costs/income of certain products over the determined life of that product]. Delivering prescribed monthly management accounts and conducts trend analysis on actuals to provide assurance for Retail Finance products. Conducting research into actuals using a wide variety of existing processes and procedures to interpret data and identify possible trends. Ensure robust risk management processes are embedded in supporting files to provide a ‘no-surprises’, high quality Financial Control environment Building a wide network of contacts across Finance to better understand the customer transaction journey through to ledger to enable swift resolution to ledger investigations and aid collaboration. Proactively identifying improvements to existing processes, systems and procedures, including participating in debrief meetings and supporting continuous improvement initiatives. Collaborating closely with a large number of internal teams including stakeholders in Retail Finance, other GFS teams, external auditors and other third parties; and Proactively drive forwards an environment of continuous improvement, in particular through data improvement and the use of automation and AI tools About us We’re on an exciting journey to transform our Group and the way we’re shaping finance for good. We’re focusing on the future, investing in our technologies, workplaces, and colleagues to make our Group a great place for everyone. Including you. What you’ll need: Qualified/part qualified accountant (ACA, ACCA, CIMA). Strong excel skills with experience of financial systems and a curious mindset that will drive process improvements Strong analytical skills and a good attention to detail. EIR is an important process within the team and requires Governance controls, SOX testing and is looked at in detail by the auditors. As such, candidates must be confident in communicating their understanding and the controls in place to key stakeholders. Risk and control understanding, including LBG RSCA. Desire to consistently improve the control environment through use of automation and AI tools And any experience of these would be really useful Experience in EIR SOX framework knowledge 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 If you’re excited by the thought of becoming part of our team, get in touch! We’d love to hear from you! 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.