Credit Analyst - Embedded Finance

End Date Sunday 17 August 2025 Salary Range £29,460 - £31,010 We support flexible working – click here for more information on flexible working options Flexible Working Options Job Share Job Description Summary This is a full time role based in Chester. Job Description JOB TITLE: Credit Analyst - Embedded Finance SALARY: £29,460 LOCATION(S): Chester 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. About this Opportunity Join our Embedded Finance Credit Risk team in the Chief Credit Office. You’ll be part of a team that is responsible for the design, implementation and oversight of credit risk strategies as well as delivery of portfolio performance within risk appetite. It's an exciting time to be joining the team as we mobilise in response to the changing world around us, expanding into new business propositions. Our goal is to make the right lending decisions at the right time, with the right support which requires strong analytical and technical expertise 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 Credit Risk Analyst in the Embedded Finance Credit Risk team. What you'll be doing We use insights and analytics to ensure responsible lending and continuously enhance our credit strategies. In this role, you’ll: Work with tools like SAS, SQL and Excel to manipulate and interrogate data within a robust control environment. Deliver regular high-quality trusted reporting and insights to support customer needs. Support the development of credit strategies including for new product propositions to ensure we lend responsibly to our customers and support the business’ growth ambitions Present insights to senior colleagues and champion improvement and automation. Monitor portfolio performance and conduct deep dives to uncover trends and opportunities 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 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 - An aptitude for learning programming languages (e.g. SQL, SAS, R, Python) – whilst prior coding experience is not essential, development of these skills to manipulate and analyse data will form a key part of the role. Analytical problem solver – 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. And any experience of these would be really useful Financial Services or coding experience. 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 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 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 • 24 days’ holiday, with bank holidays on top • A range of wellbeing initiatives and generous parental leave policies Ready to start growing with purpose? Apply today. 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.