Senior Credit Risk Manager - Transport Credit

Job Description

End dateTuesday 11 July 2023Salary range£92,064 - £108,310Agile Working OptionsOther Agile Working Arrangements / Open to DiscussionJob descriptionJOB TITLE: Senior Credit Officer - Motor CreditSALARY: £78,634 - £108,310 (location dependant)LOCATION(S): London, Bristol, Cardiff and BirminghamHOURS: Full-timeWORKING 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 sitesWould you like a job where responsible lending and cars go hand in hand We have an exciting opportunity for a Senior Credit Officer to join us. You’ll lead and develop a successful team who oversee and optimise Transport Credit Risk strategies and systems.Were a Credit Risk team accountable for making automated credit decisions for our market leading Transport brands, Black Horse, Lex Autolease, and Tusker. We use analytics to optimise and improve our strategies and lend safely to our customers. We supportthe business to deliver safe and sustainable growth.It’s an exciting time to be joining the Transport credit team as we’re heavily investing in our data and infrastructure to improve our capabilities and youll help us to shape and deliver this. The Group has set out its ambitions to become a market leader inlow 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.If you think all banks are the same, you’d be wrong. We’re an innovative, fast-changing business that’s shaping finance as a force for good. A bank that’s empowering its people to innovate, explore possibilities and grow with purpose.What are we looking for... You’ll lead and develop a successful team who oversee and optimise Transport Credit Risk strategies and systems. You’ll be accountable for ensuring customers are lent to responsibly and that new lending optimises the balance between risk and reward for theTransport business.Youll act as a key point of contact, building collaborative relationships. You’ll contribute more broadly to the Lloyds Banking Group Consumer Credit team.What we need from you...

• Analytical expertise - you’ll have practical experience of using and coaching other to use analytical software, such as SAS or SQL, to deliver actionable insight. You’ll also be confident using Microsoft Office.
• Credit Risk - you’ll have experience managing credit risk using automated strategies and scorecards.
• Change Management - you’ll be able to define and oversee change that helps improve the way we do things.
• Communicating effectively - you’ll be a compelling communicator who is able to explain complicated issues clearly to different audiences; technical, non-technical. You’ll build effective relationships with people.
• Leading others - you’ll have a passion for developing your team through stretching objectives, feedback, and coaching, supporting, and inspiring them to deliver on our purpose.

And any experience of these would be really useful

• Strong numerate skills and qualifications (either A-Level or Degree)
• Close attention to detail
• Deputising for senior leadership as needed and supporting them to shape the future of credit risk for Transport.
• Experience in both personal and business lending.

About working for usOur focus is to ensure were 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’redisability confident. So if you’d like reasonable adjustments to be made to our recruitment processes, just let us knowWe 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
• 30 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