Senior Credit Risk Analyst - Business Banking Credit Risk

Location: City of Edinburgh

End Date

Tuesday 10 February 2026

Salary Range

£43,803 - £48,670

We support flexible working –  for more information on flexible working options

Flexible Working Options

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

Job Description Summary

Title:

Senior Credit Risk Analyst - Business Banking
Location(s):
Leeds, Birmingham, Edinburgh or Newport
Type:
Full Time
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.

We are a Credit Risk team supporting Lloyds Banking Group's 1 million small business customers. You'll monitor and support a range of credit risk management processes and systems and interpret a range of data, managing the efficient and effective production of high-quality analysis, anticipating partner needs.

Job Description

Core Purpose of the Role

Our team purpose is to deliver responsible and sustainable lending to support small business customers. We do this by taking ownership to act, while supporting each other and valuing difference. This is key in Helping Britain Prosper.

We’re accountable for making responsible lending decisions for Business Banking (BB) customers through the use of automated credit strategies. We’re continually using our knowledge and analytics to improve credit decisions and maximise the efficiency of the credit decisioning systems. We oversee key aspects of the portfolio to ensure we’re acting in the best interests of our customers and we support the business to deliver safe and sustainable growth.

As a senior analyst in the team, you’ll provide technical insight to the BB Credit Risk strategies and systems, defining and delivering analysis to support the team goals. You’ll form relationships with the wider Risk team and 1st line business areas, providing technical leadership and mentoring to junior analysts in the team.

It’s an exciting time to be joining the team as we’re heavily investing in our data and infrastructure to enhance our credit decisioning capabilities and you could really help us to shape and deliver the outcome.

What are we looking for?

You’ll need to have some experience in credit risk and have the analytical skills to deliver insights and proposals to ensure we continue to lend safely. As a senior analyst in the team, junior colleagues will look to you to set a good example in organising your work and continually developing yourself. The list here gives you information about the qualifications, skills and experience we’re looking for.

We don’t expect you to be advanced in them all already, but be prepared to learn on the job and have the motivation to develop.

Essentials

• Strong numerate skills and qualifications
  (either A-Level or Degree)

• Analytical expertise
  – practical experience of using analytical software and coding, such as SAS or SQL, and be confident in using Microsoft Office, particularly Excel and Powerpoint.

• Knowledge of Credit Risk and Change Management
  – an understanding of what credit risk is and how we manage it with strategies and scorecards.

• Effective Communicator
  – ability to explain complicated issues clearly to different audiences; technical, non-technical, junior colleagues and senior management; both verbally and non-verbally.

• Enthusiasm for problem solving
  – When the answer isn’t in the data, sometimes you need to look elsewhere, and this takes a curious, creative attitude and logical thinking to explore the problem and find a solution

Desirables

• Proficient in PowerBI

• Coaching junior members of the team

• Deputising for Management where required and supporting them to shape initiatives

• Experience in business lending.

Benefits

• Competitive salary and performance-related bonus
• Generous pension contribution scheme
• 28 Days Holiday plus bank holiday
• Share schemes
• Wide range of salary sacrifice schemes and benefits
• Professional development opportunities

This role provides an exciting opportunity to work flexibly and collaboratively with a result-oriented team, to help Lloyds Living bring to life the Group's vision of being the Best Bank for Customers & colleagues.

We are committed to building a workforce which reflects the diversity of the customers and…