Credit Officer

Credit Officer - Embedded Finance at Lloyds Banking Group End Date: Sunday 07 December 2025 Salary Range: £65,385 - £72,650 We support flexible working – click here for more information on flexible working options. Flexible Working Options: Job Share. Job Description Summary TITLE: Credit Officer LOCATIONS: Chester, Halifax or Leeds HOURS: Full time WORKING PATTERN: Hybrid, 40% (or two days) in an office location Join our Embedded Finance Credit Risk team in the Chief Credit Office. You will be part of a team that is responsible for the design, implementation and oversight of credit risk strategies as well as delivery of portfolio performance within risk appetite. It’s an exciting time to be joining the team as we mobilise in response to the changing world around us, expanding into new business propositions. Our goal is to make the right lending decisions at the right time, with the right support which requires strong analytical and technical expertise. About this Opportunity Are you highly motivated, curious, numerate and ready to learn and respond in a fast‑paced environment? If so, we’ve got an exciting opportunity for a Credit Risk Officer in the Embedded Finance Credit Risk team. What You’ll Be Doing Provide credit risk input into new product launches, regulatory topics, business requirements and risk transformation activity. Develop and implement credit risk strategies for new /existing Embedded Finance products, including underwriting and credit line assignment while ensuring that actions effectively manage risk and reward, support business objectives and translate into positive portfolio outcomes. Monitor portfolio performance and conduct deep‑dive analyses to identify trends and opportunities for improvement. Collaborate with product, engineering and external third parties 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. Stay current on industry trends, regulatory changes, data innovations and competitive landscape to inform credit risk strategies and decisions. Working knowledge of tools like SAS, SQL and Excel to manipulate and interrogate data within a robust control environment. Essentials Strong numerate skills – comfortable working with numbers and have either a degree in a numerate subject or equivalent quantitative experience gained in previous roles. Analytical expertise – confidence in using Microsoft Office and have experience of using analytical software, such as SAS/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. Effective communicator – Builds positive relationships with partners and able to clearly explain complex issues and insights to different audiences, both verbally and non‑verbally. 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. Desirables Deputising for senior leadership as needed and supporting them to shape the credit risk future. Experience of proposition development. Close attention to detail – as well as ability to stand back and look at the wider picture. About Working For Us Our focus is to ensure we’re inclusive every day, building an organisation that reflects modern society and celebrates diversity in all its forms. We’re committed to creating a consciously inclusive workplace where our colleagues can be themselves, thrive and perform at their best. We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer Initiative. As an inclusive employer, we offer Workplace Adjustments for colleagues with a disability (which may include long‑term health and neurodivergent conditions) where it is reasonable to do so. This could include flexibility with regards to office attendance, location, and working pattern. Benefits 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 30 days’ holiday, with bank holidays on top A range of wellbeing initiatives and generous parental leave policies. If you’re excited by the thought of becoming part of our team, get in touch. We’d love to hear from you. Seniority level Entry level Employment type Full‑time Job function Finance and Sales #J-18808-Ljbffr