Associate Director - Credit Analytics - Business and SME Banking

Job Description

End Date Monday 18 December 2023 Salary Range £77,301 - £85,890 We support agile working – click here for more information on agile working options.Agile Working Options Hybrid Working Job Description Summary You’ll form part of our Portfolio Analytics & Insights’ newly created Customer Value team, whose primary focus is enhancing value creation for BCB (Business & Commercial Banking) customers. We want to achieve this through three main levers (i) by leading engagement with credit (on behalf of BCB) on credit policies, risk appetite and risk modelling, (ii) by improving our capability through partnering with credit, platforms & CDAO (Customer DataAnalytics Office) to deliver strategic data led solutions, and (iii) by driving value through identifying opportunities to optimise RoTE (Return on Tangible Equity). The role will have a wide stakeholder network, across BCB, CIB (Corporate Institutional Banking), GCOO (Group Chief Operating Office), as well as Risk (primarily Credit & Decision Science) to deliver its objectives. A critical part of the role will be to proactivelyengage with product and coverage teams to understand their (analytical) needs and to bring key data & capabilities to those teams. Job DescriptionLocation(s) either: Manchester, Bristol, Edinburgh or LondonSalary: London - £87,000- 97,000 Outer London - £77,000- 85,000Here at Lloyds Banking Group we’re building the bank of the future, and we want your help to ensure we do that. With over 26 million customers, we’re the UK’s largest Retail and Digital Bank, and with 100,000 colleagues, the scale of services, customers,and colleagues you can help protect is EPIC.At Lloyds, we encourage our employees to challenge the status quo and to come up with new and innovative ideas. Were focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communitieswe serve. Together we’re building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.Sounds an exciting prospect, rightYou’ll form part of our Portfolio Analytics & Insights team with a primary focus on enhancing value creation for Business & Commercial Banking through active credit risk and Return on Tangible Equity management, whilst also supporting its digitisation and innovationagenda.This role provides the opportunity to work flexibly, develop personally and expertly and work collaboratively with a team with multifaceted strengths to build our business.The day to day:You will play a key role in supporting the team in the development and leverage of our data and analytical capabilities to drive and generate value.You will also have the opportunity to:

• Develop a deep understanding of the Banking & Commercial Banking credit performance and its relative position in the wider market and vs. competitors
• Analyse data and providing valuable insight into the credit performance of the portfolio, to support credit appetite & policy discussions
• Proactively engage with product, coverage and credit teams to support the prioritisation of business activities across Business Banking & Commercial.

We’d like you to possess:

• Strong stakeholder management skills with the ability to present complex information simply
• Lateral thinking & ability to find creative solutions
• Financial analysis skills. Ideally, you’ll be comfortable importing & analysing data from various sources using SQL & SAS (or Python) and making recommendations based on your analysis
• Experience of SME or retail credit underwriting modelling and approaches

In return, you will get:The stretch and opportunity to learn new technologies within a well-funded organisation, taking your next step up the career ladder into bigger and more complex roles allowing you to learn, grow and develop a diverse skillset helping you achieve an excitingcareer.You will also enjoy a energising, and informal environment that focuses on teamwork - providing equal opportunities with working patterns beyond the standard 9-5.Being a multi-brand, multi-channel business, we have the scale and reach for opportunities meaning the sky really is the limit providing you with a fulfilling career.You’d get a generous benefits package that includes the following (& much more!):

• A performance related bonus
• Generous pension contribution
• 30 Days leave plus bank holidays with the opportunity to buy up to an additional 5
• Private healthcare and wellbeing cover
• Flexible benefits scheme
• Plenty of training opportunities and career progression including Hackathons!

We’re committed to building a workforce which reects the diversity of the customers and communities we serve. Join us and be part of an inclusive, values-based culture focused on making a difference.Well ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contactus to request accommodation.So, if joining us at a critical and exciting time appeals, apply today where together we make it possibleAt Lloyds Banking Group, were 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 youll have a key role to play in shaping the financialservices of the future, whilst the scale and reach of our Group means youll have many opportunities to learn, grow and develop.We keep your data safe. So, well 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. Well alwaysexplain what we need and why, with any request coming from a trusted Lloyds Banking Group person. Were 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