Credit Risk Specialist

1 month ago


Cardiff, Cardiff, United Kingdom Lloyds Banking Group Full time
Job Title: Credit Risk Specialist

Job Summary:

We are seeking a skilled Credit Risk Specialist to join our team at Lloyds Banking Group. As a Credit Risk Specialist, you will be responsible for managing credit risk using automated strategies and scorecards, and providing credit risk input into new product launches and regulatory topics.

Key Responsibilities:

* Develop and implement credit risk strategies for a new Embedded Finance product, including underwriting and credit line assignment
* Monitor portfolio performance and conduct deep-dive analyses to identify trends and opportunities for improvement
* Collaborate with product, engineering, and finance teams to design and implement new products and features that balance risk and growth
* Provide coaching and mentorship to junior members within the immediate and wider team to drive performance and development

Requirements:

* Analytical expertise - confidence in using Microsoft Office and have understanding of using analytical software, such as SAS or SQL, to deliver insight
* Credit Risk - you'll have experience managing credit risk using automated strategies and scorecards and the financial knowledge of risk vs. reward and managing within risk appetite
* Work effectively through change - an ability to initiate and enable change that helps improve the way we do things
* Responsible lending - understand regulatory compliance and conduct risk for fair customer outcomes
* Collaboration - building effective partnerships and working collaboratively with a wide range of partners to meet shared objectives

What We Offer:

* A generous pension contribution of up to 15%
* An annual discretionary performance-related bonus
* Share schemes including free shares
* Benefits you can adapt to your lifestyle, such as discounted shopping
* 30 days' holiday, with bank holidays on top
* A range of wellbeing initiatives and generous parental leave policies

About Us:

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.

Equal Opportunities:

We're committed to building a workforce which reflects the diversity of the customers and communities we serve, and to building an inclusive environment where all our colleagues can be themselves and succeed on merit. We're an equal opportunity employer and deeply value diversity within our organisation. We'll ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation.

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