Our purpose and strategy
Our purpose is Helping Britain Prosper.
Our purpose is Helping Britain Prosper.
We have an important role to play in creating a more sustainable and inclusive future.
Lloyds Banking Group incorporates many household names.
As with all necessary struggles it’s often the actions of brilliant and tenacious individuals that create lasting change.
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This report provides an update on our progress towards the Group's sustainability ambitions.
We put you first, so you can put our customers first.
Our charitable Foundations are celebrating 40 years of tackling social disadvantage and Helping Britain Prosper.
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Disclosures relating to our strategic, financial, operational, environmental and social performance.
Latest and archived results for Lloyds Banking Group and its main subsidiaries.
See all the key dates in the financial year.
Higher, more sustainable returns as we continue to Help Britain Prosper.
Information and key documents for the wide range of securities issued by Lloyds Banking Group and its entities.
Lloyds Premier, a new bank account from the UK’s biggest bank, is now available - bringing together the best in financial perks and premium lifestyle services, designed for people with income or assets over £100,000.
Digital twins are revolutionising industries across the globe, including financial services.
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Build something that changes everything. Join us as we explore new ideas and technologies to reshape the world of finance.
Xinyi is pioneering AI and advanced analytics at the Group alongside her part-time role as a concert pianist.
Lloyds Banking Group is best known for its portfolio of financial services brands.
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Our purpose is Helping Britain Prosper.
We have an important role to play in creating a more sustainable and inclusive future.
Lloyds Banking Group incorporates many household names.
As with all necessary struggles it’s often the actions of brilliant and tenacious individuals that create lasting change.
This report provides an update on our progress towards the Group's sustainability ambitions.
We put you first, so you can put our customers first.
Our charitable Foundations are celebrating 40 years of tackling social disadvantage and Helping Britain Prosper.
Disclosures relating to our strategic, financial, operational, environmental and social performance.
Latest and archived results for Lloyds Banking Group and its main subsidiaries.
See all the key dates in the financial year.
Higher, more sustainable returns as we continue to Help Britain Prosper.
Information and key documents for the wide range of securities issued by Lloyds Banking Group and its entities.
Lloyds Premier, a new bank account from the UK’s biggest bank, is now available - bringing together the best in financial perks and premium lifestyle services, designed for people with income or assets over £100,000.
Digital twins are revolutionising industries across the globe, including financial services.
Build something that changes everything. Join us as we explore new ideas and technologies to reshape the world of finance.
Xinyi is pioneering AI and advanced analytics at the Group alongside her part-time role as a concert pianist.
Lloyds Banking Group is best known for its portfolio of financial services brands.
Learn more about flexible working.
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
We use insights and analytics to ensure responsible lending and continuously enhance our credit strategies. In this role, you’ll:
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.
What we are looking for?
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.
We also offer a wide-ranging benefits package, which includes:
If you're excited by the thought of becoming part of our team, get in touch.
We'd love to hear from you.
Can't find the role you want right now?
By joining our Talent Community your profile will be visible to our recruitment teams, who are constantly looking to match outstanding talent with our current and future opportunities. Just complete the short form and we’ll be able to keep you up to date.
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.