Senior Credit Risk Analyst - Transport

Job Description

About UsWe are a Credit Risk team supporting the market leaders in Motor Finance and Leasing 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 RoleOur 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.Were accountable for making responsible lending decisions for Personal and Business customers through the use of automated credit strategies. Were continually using our knowledge and analytics to improve credit decisions and maximise the efficiency ofthe credit decisioning systems. We oversee key aspects of the portfolio to ensure were acting in the best interests of our customers and we support the business to deliver safe and sustainable growth.As a senior analyst in the team, youll provide technical insight to the Motor Credit Risk strategies and systems, defining and delivering analysis to support the team goals. Youll form relationships with the wider Risk team and 1st line business areas,providing technical leadership and mentoring to junior analysts in the team.Its an exciting time to be joining the Motor team as were 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 ambitionsto become a market leader in low emissions and sustainability, and Motor 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 forYoull need to have some experience in credit risk and have the analytical skills to deliver insights and proposals to ensure we continue to lend safely. As a senior analyst in the team, junior colleagues will look to you to set a good example in organisingyour work and continually developing yourself. The list here gives you information about the qualifications, skills and experience were looking for. We dont expect you to be advanced in them all already, but be prepared to learn on the job and have the motivationto develop.Essentials

• Strong numerate skills and qualifications (either A-Level or Degree)
• Analytical expertise - practical experience of using analytical software and coding, such as SAS or SQL, and be confident in using Microsoft Office, particularly Excel and Powerpoint.
• Knowledge of Credit Risk and Change Management - an understanding of what credit risk is and how we manage it with strategies and scorecards.
• Effective Communicator - ability to explain complicated issues clearly to different audiences; technical, non-technical, junior colleagues and senior management; both verbally and non-verbally.
• Enthusiasm for problem solving - When the answer isnt 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.

Desirables

• Proficient in PowerBI
• Coaching junior members of the team
• Deputising for Management where required and supporting them to shape initiatives
• Experience in both personal and business lending.

What will you get in returnA great reward package, including 28 days holiday, generous pension contributions and additional 4% of your salary to be used within our Flex scheme. Youll learn new skills and be given opportunities to grow and develop to help you achieve a rewarding andfulfilling career. Were 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.Were committed to building a workforce which reflects the diversity of the customers and communities we serve. So, if youd 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!