Analyst - Financial Risk Insight & Analytics

• JOB TITLE: Analyst - Financial Risk Insight & Analytics
• SALARY:  £29,460 rising to £30,202 from 1st APRIL 2026
• LOCATION(S): Leeds, Bristol, Halifax or Newport
• HOURS: Full-Time – 35 hours a week.  
• WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at one of our office sites.

About this Opportunity

Would you like to work in a team that directly impacts the performance of the group? Well, we’re looking for a Analyst to join the Financial Risk Insight & Quantification Team (FINRIQ).

Within this exciting position you’ll help manage financial risks across a range of unsecured products. You'll produce high-quality analysis and provide advice to senior decision makers. You’ll have to be dynamic to react to the ever changing economic outlook. We’re currently undergoing significant change to utilise better technology and upgraded models. This is therefore a unique opportunity not to be missed.

The FINRIQ team utilise Capital & Impairment models to understand the financial risk of the group. Contributing to improving customer value, managing risk, and encouraging a safe, strong bank for our customers. Within the team, we promote a positive, collaborative and creative environment. We're also genuine about equal opportunity and deeply value diversity.

The Unsecured insight team within FINRIQ understand the financial risks for Cards, Loans and a number of unsecured products. Working as part of the team, you’ll be coordinating and delivering analysis and forecasts to support the business. Key roles include:

• Support the monthly reporting processes, producing actionable insights to assist the business in making informed decisions.
• Production of key Impairment & Capital MI - Identifying key trends/messages to support both internal and external reporting.
• Continually enhance internal MI to drive better insight into the Unsecured portfolios.
• Using tools such as SAS, PowerBI, Tableau and Excel to manipulate and interrogate portfolio data.
• Use new and existing technology to deliver incremental improvements and automation in analysis & reporting.

Why Lloyds Banking Group

Like the modern Britain we serve, we’re evolving. Investing billions in our people, data and tech to transform the way we meet the ever-changing needs of our 26 million customers. We’re growing with purpose. Join us on our journey and you will too…

What you’ll need

• Be an organised individual who is passionate about data insights. You’ll have a highly analytical approach to problem solving.
• Proficiency in Excel including writing advanced formulae to summarise data.
• Experience of statistical packages or programming languages (e.g., SAS, SQL, Python, R).
• Be able to work at a fast pace and have an eye for detail and accuracy.
• Demonstrate good time management and planning/organisation skills, adapting to changing priorities.
• Ability to work well within a team environment, without the need for close supervision. You’ll be a positive contributor taking an active role in progressing yours and others development.
• Excellent communication skills, both written and verbal, on technical subject matter.

We'll offer excellent development opportunities to support you in reaching your full potential, and meeting your personal career aspirations.

 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 want our people to feel that they belong and can be their best, regardless of background, identity or culture.

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.

And it’s why we especially welcome applications from under-represented groups.

We’re disability confident. So if you’d like reasonable adjustments to be made to our recruitment processes, just let us know.

We also offer a wide-ranging benefits package, which includes

• 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

• 24 days’ holiday, with bank holidays on top

• A range of wellbeing initiatives and generous parental leave policies

Ready to start growing with purpose?

Apply today.

(Please note our roles can generate a considerable amount of interest and can close early so don't miss out on this opportunity to apply today.)