Credit Analyst

End Date

Tuesday 06 October 2026

Salary Range

£30,201 - £31,790

We support flexible working – click here for more information on flexible working options

Flexible Working Options

Hybrid Working, Job Share

Job Description Summary

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Job Description

JOB TITLE: Credit Analyst

SALARY: From £30,201

LOCATION(S): Chester or Cardiff

HOURS: Full time – 35 hours per week

WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time in the office. Colleagues with disabilities can be supported with workplace adjustments including hybrid working expectations in line with our Flexibility Works policy.

What you’ll be doing:

Here at Lloyds Banking Group, we put our customers at the heart of everything we do, and every colleague has an important part to play.

The Cards Originations Credit Risk team sits within the Chief Credit Office and is accountable for making automated credit decisions for annual lending of c.£8bn through our market leading Credit Cards products across brands.

We produce insight through analytics to make sure we lend responsibly and continually improve our credit strategies to optimise our decisions to benefit our customers and the Bank.

The team is responsible for defining all aspects of credit risk strategy, preparing loss forecasts, proactively managing risk and reward through strategy optimisation while ensuring the portfolio remains resilient and within risk appetite.

We're looking for a highly motivated individual who is curious, numerate and ready to learn and respond in a fast-paced environment within the team.

In this role you’ll:

• Use tools such as SAS and Excel to manipulate and interrogate data whilst ensuring you work within a robust control environment

• Carry out data analytics to support customer needs
• Produce regular high quality and trusted reporting and analytics
• Collaborate with other teams within credit risk and infrastructure to deliver improvements to credit strategies
• Adopt a continuous improvement attitude, looking for opportunities to automate and transform processes

Why join 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.

What we’re looking for?

• Comfortable working with numbers and have either a good degree in a numerate subject or equivalent quantitative experience gained in previous roles
• Experience in use of or willing to learn programming languages e.g. SAS, SQL, BigQuery
• Curious and Analytical problem solvers, able to work creatively with data to draw out insight and answer business questions.
• Proactive in progressing their own personal development and collaborating with others to improve the culture of the wider team
• Prior experience of credit risk in a retail banking environment is a strong plus

We know that great talent comes from many backgrounds. We recognise that skills are developed in many ways, so if you have relevant, transferable experience, we encourage you to apply.

This is a place for you:

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 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 for a career where you’ll learn and thrive?

Apply today and find out more.

Please note our roles can generate a considerable amount of interest and close early so don't miss out on this opportunity to 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.

About Us

With 320 years under our belt, we're used to change, and today is no different. Join us and help drive this change, shaping the future of finance whilst working at pace to deliver for our customers.

Here, you'll do the best work of your career. Your impact will be amplified by our scale as you learn and develop, gaining skills for the future.

Need Help?

Should you wish to contact us for any reason, please email us at: careers@lloydsbanking.com

Flexible Working Options

For more Flexible Working Options please use the free text search, e.g. job sharing, variable hours, to identify relevant matches.