End Date

Sunday 15 November 2026

Salary Range

36,224 - 38,130

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

Flexible Working Options

Hybrid Working, Job Share

Job Description Summary

Sitting within our Risk function, Risk Science is a centre of excellence for analytics, modelling and customer insights. Youll be part of a specialist modelling team focused on delivering and maintaining model monitoring across the Corporate and Commercial landscape.
We work with data that underpins vital business decisions, and together we make it possible to add customer value, control risk, and help to build a safe, strong bank for our customers.
Could you help us become more insightful about data to reshape our business and deliver success?

Job Description

JOB TITLE: Analyst Financial Risk, BCB/CIB Credit Risk Modelling
SALARY: 36,224 - 38,130
LOCATION(S): Edinburgh or Leeds
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.

 

Want to use data and statistical modelling to solve real business problems and influence decision-making across Risk?

 

About this opportunity

As an Analyst in Financial Risk, youll work as part of a team supporting all stages of model development and maintenance. From understanding regulations and translating them into analytical problem statements, to experimenting with different approaches and building appropriate solutions, youll use data and modelling to help inform decision-making across Risk.

 

Day to day, you will:

• Play a key role in delivering sophisticated statistical modelling solutions to support decision-making across Risk.
• Use tools such as SAS, Python and SQL to manipulate large datasets and build, validate and analyse the performance of predictive models.
• Work accurately and with attention to detail, following established methodologies.
• Use data to understand customer behaviour and credit performance, translating your analysis into a clear story that can influence business decisions.
• Build relationships with business partners across the organisation to understand requirements and develop effective modelling and analytical solutions.
• Contribute to the development of the Financial Risk  team by sharing knowledge, learning from others and participating in initiatives that build a positive team culture.

 

Why Lloyds Banking Group

Were on an exciting journey and there couldnt be a better time to join us. The investments were making in our people, data, and technology are leading to innovative projects, fresh possibilities, and countless new ways for our people to work, learn, and thrive.

 

What youll need:

• A good degree in a numerate subject and confidence working with numbers.
• Ability to use programming languages such as SAS, SQL or Python to manipulate data.
• Strong analytical and problem-solving skills, with the ability to work creatively with data to draw out insights and answer business questions.
• Effective written and verbal communication skills, with the ability to explain findings clearly and influence business decisions.
• Strong organisation and time-management skills.
• A proactive approach to your own development and a willingness to collaborate with others and contribute positively to the wider team.

 

And any experience of these would be really useful:

• Practical experience of statistical credit-risk modelling techniques and methods.
• Experience working with large datasets.
• Exposure to building, validating or analysing predictive models.
• An understanding of customer behaviour, credit performance or risk analytics.

 

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 its why we especially welcome applications from under-represented groups.

Were disability confident. So if youd 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
• 24 days holiday, with bank holidays on top
• A range of wellbeing initiatives and generous parental leave policies

 

Want to do amazing work, thats interesting and makes a difference to millions of people? Join our journey.

#LI-CM4

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 were building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.