Associate Director - Credit Analytics – Business and SME Banking

Associate Director - Credit Analytics – Business and SME Banking We support agile working Click here
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JOB TITLE:
Associate Director - Credit Analytics (Business and SME Banking) LOCATIONS:
Edinburgh or Bristol
HOURS:
Full time WORKING PATTERN: Hybrid, 40% (or two days) in an office site.Here at Lloyds Banking Group we’re building the bank of the future, and we want your help to ensure we do that. With over 26 million customers, we’re the UK’s largest Retail and Digital Bank, and with 100,000 colleagues, the scale of services, customers, and colleagues you can help protect is EPIC.We encourage our employees to challenge the status quo and to come up with new and innovative ideas. 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.Sounds an exciting prospect, right?You’ll form part of our Portfolio Analytics & Insights team with a primary focus on enhancing value creation for Business and Commercial Banking (BCB) through active credit risk and Return on Tangible Equity (RoTE) management, whilst also supporting its digitisation and innovation agenda. Key analytical services related to pricing, capital / return on equity management, and customer insights incl. sustainability are also delivered to CIB.This role provides the opportunity to work flexibly, develop personally and professionally, and work collaboratively with a team with multifaceted strengths to build our business.The day to day:You will play a key role in supporting the team in the development and leverage of our data and analytical capabilities to drive and generate value for BCB. Our team focuses on:Drive value for BcB through identifying opportunities to optimise RoTE.Working with the wider Portfolio Analytics & Insights team to develop and maintain BcB’s Pricing framework.Analyse data and provide valuable insight into the BcB portfolio shape and return on equity, and draft committee papers relating to Pricing and Returns.Work with key stakeholders across Finance, GCT and Products teams to ensure our pricing framework, models, and approach are aligned with BcB’s 4YOP objectives.We’d like you to possess (essential):Strong stakeholder management skills and the ability to present complex information simply.A good knowledge of the products and pricing approach used in BcB, and the drivers of capital and return on equity.Financial analysis skills. Ideally, you’ll be comfortable analysing data using Excel and SQL (or prepared to learn) and making recommendations based on your analysis.Able to manage and prioritise multiple deliverables in a timely and effective manner.A strategic mindset with the ability to think laterally, be innovative and find creative solutions.A great teammate willing and able to take the broader view for the benefit of the wider team. About us If you think all banks are the same, you’d be wrong. We’re an innovative, fast-changing business that’s shaping finance as a force for good. A bank that’s empowering its people to innovate, explore possibilities and grow with purpose. 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 bonus award, subject to Group performanceShare schemes including free sharesBenefits you can adapt to your lifestyle, such as discounted shopping30 days’ holiday, with bank holidays on topA range of wellbeing initiatives and generous parental leave policiesIf you’re excited by the thought of becoming part of our team, get in touch.
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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.
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