Senior Transport Credit Risk Analyst – Residual Value Risk

End Date

Sunday 09 August 2026

Salary Range

£44,901 - £49,890

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

Flexible Working Options

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

Job Description Summary

Title: Senior Credit Risk Analyst - Transport
Location(s): Cardiff, Chester, Manchester, Birmingham, Leeds or Halifax
HOURS: 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

Job Description

About Us

We're a Credit team supporting the market leaders in Transport through the Blackhorse, Lex Autolease and Tusker businesses within Lloyds Banking Group. We are accountable for over £6bn of lending annually, and £10bn of Residual Value exposure.

Job Description

We use analytics to optimise and improve our strategies and lend safely to our customers. We support the business to deliver safe and sustainable growth, meeting the Group’s stated net zero objectives and ensuring financial risk is contained.

It’s an exciting time to join the Transport Credit team as we’re heavily investing in our data and infrastructure to improve our risk management capabilities and you'll help us to shape and deliver this. The Transport portfolio has ambitious plans to grow, digitise and evolve to meet our customers’ needs over the next 3 years. If you want to help the Bank on its journey to be carbon zero by 2030, come and join us.

The role involves interrogating and interpreting internal and external data, developing high quality insight to advise on key risks. The role includes working with a variety of technical and non-technical partners so an ability to present findings, dependent on audience, is key to succeeding in this role.

The role covers analytics in:

• Sustainability – working as part of the team to learn, develop and improve Electric Vehicle (EV) strategy, completing analysis to support the LBG Risk Appetite underpinning the 2030 target setting for carbon emissions!
• Residual Value setting oversight (large quantities of data analysed across vehicle types, terms/mileages etc…)
• Risk Policy management, review and challenge (responsible for oversight of monthly uploads, highlighting issues, raising with colleagues and presenting changes)
• Portfolio management – providing regular update on the changing nature of the portfolio

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  Risk and Change Management – an understanding of what credit risk and residual value risk is, and how we manage it.
• 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 both personal and business lending.

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
• 28 days’ holiday, with bank holidays on top
• A range of wellbeing initiatives and generous parental leave policies

Ready to make an impact? Apply today!

We’re committed to building a workforce which reflects the diversity of the customers and communities we serve. So, if you’d like to come and work with us in a supportive and exciting credit risk role, we would love to hear from you!

Together we make it possible!

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.