Senior Credit Analyst – Unsecured Lending

Lloyds Banking Group

Senior Credit Analyst utilizing data and analytical tools to enhance Consumer Credit strategies. Overseeing credit strategies and collaborating with various teams to ensure positive outcomes.

Posted 5/16/2026full-timeNewport • 🇬🇧 United KingdomSenior💰 £43,803 - £48,670 per yearWebsite

Tech Stack

Tools & technologies

SQL

About the role

Key responsibilities & impact

Use data, insight and analytical thinking to support responsible lending and continuously enhance Consumer Credit strategies
Work confidently with complex datasets, using tools such as SAS and Excel to explore performance, identify trends and uncover risks or optimisation opportunities
Oversee and develop credit strategies, ensuring alignment to risk appetite, regulatory expectations and positive customer outcomes
Monitor portfolio performance, lead deep dive analysis and translate findings into clear recommendations that balance risk, affordability, reward and commercial objectives
Produce high-quality reporting and insight to support senior decision-making
Collaborate with colleagues across Credit Risk, Product and Risk Infrastructure to safely deliver change and support growth
Present proposals to senior stakeholders and champion continuous improvement, automation and more effective ways of working

Requirements

What you’ll need

Around 2 years or more of practical experience using analytical or coding tools such as SAS and/or SQL
Confidence working in Excel and PowerPoint to analyse data and present insights clearly
A strong numerate foundation, gained through a numerate degree or equivalent quantitative experience
Experience in strategy development and portfolio analysis, working with large and complex datasets to interpret data thoughtfully and translate analysis into clear, actionable insight
Clear communication skills, with the ability to explain technical concepts and findings in an accessible way to different audiences
An organised approach to work, with the ability to manage priorities and adapt to change in a fast-moving environment
A growth mindset, with an interest in learning, developing new skills and supporting the development of others
Experience mentoring, coaching or supporting less experienced analysts (great to have)
Exposure to consumer credit or unsecured lending environments (great to have)
Experience improving analytical processes, reporting or automation (great to have)

Benefits

Comp & perks

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
28 days’ holiday, with bank holidays on top
A range of wellbeing initiatives and generous parental leave policies

ATS Keywords

✓ Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools

SASSQLExceldata analysisportfolio analysisstrategy developmentreportingautomationnumerate degreeanalytical processes

Soft Skills

clear communicationorganised approachadaptabilitygrowth mindsetmentoringcoachingcollaborationanalytical thinkingpresentation skillsinsight translation