End Date

Sunday 04 February 2024

Salary Range

£0 - £0

We support agile working – click here for more information on agile working options.

Agile Working Options

Other Agile Working Arrangements / Open to Discussion

Job Description Summary

JOB TITLE: Senior Credit Risk Manager (Unsecured & Motor Affordability)

LOCATION(S): Chester, Cardiff, Bristol, Birmingham, Halifax or Leeds

HOURS: Full time

WORKING PATTERN: Two days per week (or 40% of your time) at one of our Risk hub offices.

We’re on an exciting journey to transform our Group and the way we’re shaping finance for good. We’re focusing on the future, investing in our technologies, workplaces, and colleagues to make our Group a great place for everyone. Including you.

A fantastic opportunity to join the Consumer Credit Risk team as Senior Credit Risk Manager for Unsecured & Motor Affordability, providing leadership and strategic direction in the management & optimisation of the Affordability strategy for Unsecured and Motor products.

Job Description

About this opportunity...

A fantastic opportunity to join the Consumer Credit Risk team as Senior Credit Risk Manager for Unsecured & Motor Affordability, providing leadership and strategic direction in the management & optimisation of the Affordability strategy for Unsecured and Motor products. You’ll be accountable to the Head of Credit Risk for Cards & Loans and face off directly to leaders in the Consumer businesses as well as our Risk partners.

It's a brilliant time to be joining the team as we mobilise in response to the changing world around us – from regulatory changes and new innovative sources of data, to the dynamic economic conditions. We're committed to investing in our capabilities to deliver safe and sustainable growth, and Helping Britain Prosper.

Your key accountabilities will be:

• Protect the bank by setting a robust, automated, affordability assessment which aligns with all regulations, and mitigates credit risk.

• Pro-actively mitigating credit risk arising from segments more susceptible to a declining economic environment.

• Ensure all data inputs and assumptions within the affordability assessment remain up to date, and incorporate future changes to economic conditions.

• Embed Consumer Duty, by ensuring customer outcomes are considered as part of the strategy development, risks assessment and outcome monitoring.

• Innovate through using new tools and data / the creation of new tests, at a segmented level, to help advocate the current strategy or enhance our approach.

• Creating innovative insights to identify trends, emerging risks and optimisation opportunities across the key products.

• Motivating, developing and leading a successful team to achieve their own personal career goals, and the Groups new shift in Culture.

What we’re looking for...

• Credit Risk – you’ll have experience of working in the consumer credit space and an understanding of credit risk tools to deliver on risk appetite.

• Collaboration - experience in supporting businesses in a partnership role, building new partnerships and working with a wide range of partners to meet shared objectives.

• Communicating effectively – a strong ability to explain complicated issues clearly to different audiences; both technical & non-technical. You’ll establish effective networks with people and influence at senior managers.

• Analytical expertise – ability to problem solve using data assets and translate numbers into clear insights.

• Responsible lending – understanding of regulatory compliance and conduct risk for fair customer outcomes.

• Leading others – a passion for developing your team through stretching objectives, feedback and coaching, supporting and inspiring them to deliver our purpose.

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 variety of wellbeing initiatives and generous parental leave policies

About working for us!

Our focus is to ensure we're inclusive every day, building an organisation that reflects our 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.

If you’d like reasonable adjustments to be made to the recruitment process, just let us know.

Ready to start growing with purpose? Apply today!

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.