Overview

End Date: Monday 29 September 2025

Salary Range: £39,825 - £44,250

We support flexible working – information on flexible working options

Flexible Working Options: Hybrid Working, Job Share

Job Description Summary

JOB TITLE: Senior Analyst - Affordability Optimisation & Data Optimisation

LOCATION(S): Chester, Manchester, Halifax, 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 mentioned above

We’re looking for a dynamic Senior Analyst to join our innovative Affordability Optimisation & Data Optimisation team, part of Customer Affordability and Data, with a focus on the Loans & Transport portfolio.

Here in the Affordability Optimisation & Data Optimisation (AODO) team, we'll be reinventing how we assess and manage customer affordability for more digital-centric journeys. We'll adopt new data capability to look at affordability horizontally across all of our lending propositions rather than vertically, within product silos. This capability will be integral to how we offer customers proactive and embedded borrowing options, both within our relationship brands and also with any partner brands

Responsibilities

• Enhance Customer Strategies: Improve customer experience, credit quality, and segment growth across Consumer Lending.
• Optimise Affordability and Eligibility: Use data-driven insights and portfolio performance analysis to shape affordability strategies aligned with stakeholder goals.
• Deliver Analytical Excellence: Apply segmentation, modelling, and analytical tools to generate actionable recommendations.
• Collaborate Across Teams: Work with internal and external stakeholders to deliver joined-up solutions that support our strategic goals.
• Drive Innovation and Learning: Contribute to a culture of experimentation and continuous improvement, supporting the development of new data capabilities.

Essential Skills

• Proven experience in an analytical, credit, or product-focused role.
• Strong data and analytics skills, with the ability to translate complex analysis into clear insights using concise visuals and narratives to support lending strategy discussions with senior partners.
• Proficiency in SAS/SQL and solid understanding of Microsoft Office tools.
• Experience using segmentation and modelling to support decision-making.

Desirable Skills

• Background in Consumer Lending product environments.

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.

Benefits

• A generous pension contribution of up to 15%
• An annual bonus award, subject to Group performance
• 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

Join us and be part of a team that's reshaping the future of customer affordability!

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.