Client Implementation Specialist
Health Plans, Inc.
Senior Credit Analyst, PCA
Lloyds Banking Group
full-time
Posted on:
Origin: • 🇬🇧 United Kingdom
Visit company websiteSalary
💰 £43,803 - £48,670 per year
Job Level
Senior
About the role
- Join our Personal Current Account Credit Risk team in the Chief Credit Office.
- We manage the Overdraft portfolio, developing risk strategies for new and existing customers while supporting vulnerable individuals.
- We’re responsible for Lloyds, Halifax, and Bank of Scotland brands, handling a significant personal current account portfolio.
- Our goal is to make the right lending decisions at the right time, with the right support which requires strong analytical and technical expertise.
- Work with tools like SAS and Excel to manipulate and interrogate data within a robust control environment.
- Monitor portfolio performance and conduct deep dives to uncover trends and opportunities.
- Oversee and develop credit strategies to ensure we lend responsibly to our customers.
- Deliver regular high-quality trusted reporting and insights to support customer needs.
- Collaborate across Credit Risk, Product, and Risk Infrastructure to safely deliver change and support growth opportunities.
- Develop actions that balance risk and reward while supporting business goals.
- Present insights to senior colleagues and champion improvement and automation.
- Mentor junior team members and stay informed on industry, regulatory, and data developments.
Requirements
- 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 experience - Practical experience of using analytical software and coding, such as SAS, and be confident in using Microsoft Office, particularly Excel and PowerPoint.
- Experienced analytical problem solver – strongly evidence the 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.
- Any experience: Prior experience of credit risk in a retail banking environment, particularly developing and oversighting credit strategies.
