Transport Credit Officer

2 weeks ago


Cardiff, United Kingdom Lloyds Banking Group Full time

End Date

Friday 19 May 2023

Salary Range

£57,078 - £63,420

Agile Working Options

Flexibility in when hours are worked, Hybrid Working, Job Share, Reduced Hours

Job Description Summary

Would you like a job where responsible lending and cars go hand in hand? We have an exciting opportunity for a Credit Officer to join us.

**Job Description**:
About us

We're a Credit Risk team accountable for making automated credit decisions for our market leading Motor Finance & Leasing brands, Black Horse and Lex Autolease. We use analytics to optimise and improve our strategies and lend safely to our customers. We support the business to deliver safe and sustainable growth.

It’s an exciting time to be joining the Transport team as we’re heavily investing in our data and infrastructure to improve our credit decisioning capabilities and you'll help us to shape and deliver this. The Group has set out its ambitions to become a market leader in low emissions and sustainability, and Transport is a key part of that plan. It’s a portfolio that has ambitious plans to grow, digitise and evolve to meet our customers’ needs over the next 3 years. If you want to support the Bank on its journey to be carbon zero by 2030, come and join us.

What are we looking for

You’ll lead and develop a successful team who oversee and optimise Transport Credit Risk strategies and systems. You’ll be accountable for ensuring customers are lent to responsibly and that new lending optimises the balance between risk and reward for the Motor business. You'll act as a key point of contact, building collaborative relationships. You’ll contribute more broadly to the Lloyds Banking Group Consumer Credit team.

Essentials
- Analytical expertise - you’ll have practical experience of using and coaching others to use analytical software, such as SAS or SQL, to deliver actionable insight. You’ll also be confident using Microsoft Office.
- Credit Risk - you’ll have experience managing credit risk using automated strategies and scorecards, and performing oversight of other business functions, eg manual underwriting
- Change Management - you’ll be able to define and oversee change that helps improve the way we do things
- Communicating effectively - you’ll be a compelling communicator who is able to explain complicated issues clearly to different audiences; technical, non-technical. You’ll build effective relationships with people.
- Leading others - you’ll have a passion for developing your team through stretching objectives, feedback and coaching, supporting and inspiring them to deliver on our purpose.

Desirables
- Strong numerate skills and qualifications (either A-Level or Degree)
- Experience in project management
- Experience with Risk & Control, eg RCSA
- Deputising for senior leadership as needed and supporting them to shape the future of credit risk for Transport
- Experience in both personal and business lending.

What will you get in return

A great reward package, including 30 days holiday, generous pension contributions and additional 4% of your salary to be used within our Flex scheme. You’ll learn new skills and be given opportunities to grow and develop to help you achieve a rewarding and fulfilling career. We’re a 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.

We’re committed to building a workforce which reflects the diversity of the customers and communities we serve. So, if you’d like to come and work with us in a supportive and exciting credit risk role, we would love to hear from you

If you don’t have an existing job share partner, take a look at the job share register to identify potential matches with whom you can apply. Also, visit the Group’s job share microsite for further information about the benefits and key characteristics of a successful job share partnerships, a self-assessment form to assess whether job sharing is right for you and guidance on how to approach the recruitment process successfully on a job share basis.

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'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.


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