Audit Manager, Consumer - Credit Risk

End Date

Salary Range

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

Flexible Working Options

Job Description Summary

Job Description

JOB TITLE: Audit Manager - Credit Risk

SALARY: £70,929 - £86,691

LOCATION(S): Edinburgh & Bristol

HOURS: Full-time (35 hours per week)

WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at our Edinburgh or Bristol offices

About this opportunity

As an Audit Manager you’ll contribute to the delivery of high-quality audits. You’ll lead audits or elements of large audits in accordance with the agreed plan, with relative autonomy, harnessing a deep understanding of business strategy/priorities, controls, and risks to provide high quality independent assurance on the effectiveness of controls.

You’ll contribute to the ongoing development and improvement of GA&CI through a strategic and integrated audit focus, collaboration, and agile delivery methods. 

Day to day, you will:

• Contribute to the audit plan, supporting the portfolio lead by project managing and delivering individual audits on their behalf. 

• Undertake and manage control testing to identify areas of concern, articulating the potential risks and challenges to stakeholders. 

• Communicate and undertake your work in an open and collaborative manner, sharing information and providing feedback to colleagues and stakeholders that is insightful and timely.

• Demonstrate your contribution to the success of the audit delivery plan and leave a positive, sustainable impact on the function and LBG overall. 

• Support senior colleagues and build meaningful stakeholder relationships whilst developing your own credit risk and wider business team connections. 

• Be bold in your work and proactively suggest & deliver improvements in current audit, credit, and business control processes.

• Continue to develop and enhance your research skills, considering multiple perspectives and bring the outside in to enable analysis of key themes and external trends related to credit risk and business strategy. 

• Actively role model the Group values and behaviours by supporting colleagues through on the job coaching across technical credit risk and business areas. 

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:

• Proven experience delivering timely, insightful, and valued risk and control assurance activities.

• A strong sense of ownership, with the capacity to prioritise your own workload and support others to ensure effective delivery.

• A strategic mindset, with the skill to interpret Group and Business Unit strategies and align assurance insights accordingly.

• Confidence in analysing and interpreting data, transforming it into meaningful insights that drive impactful outcomes.

Capabilities linked to your work:

Strong knowledge of the Consumer business and the role of credit risk, including:

• Solid understanding of Consumer Lending and Credit Risk strategy across the credit lifecycle, including growth plans and control areas.

• Familiarity with Consumer Lending products—Secured, Transport, and Unsecured—including operations, policies, and risk frameworks.

• Insight into consumer affordability, decision models, systems, and data.

• Awareness of how credit risk and business strategy influence product profitability and financial reporting.

• Knowledge of key prudential and conduct regulations relevant to consumer lending and credit risk management.

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

• 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!

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 keep your data safe. So, we'll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks.  We'll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person. 

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.