Overview

Senior Analyst - Affordability Optimisation & Data Optimisation at Lloyds Banking Group. Hybrid role with at least two days per week in the office. Location options: Chester, Manchester, Halifax, or Leeds. Hours: Full-time.

About this opportunity

We are looking for a dynamic Senior Analyst to join our innovative Affordability Optimisation & Data Optimisation team, part of Customer Affordability and Data, focusing on the Loans & Transport portfolio. The team will reinvent how we assess and manage customer affordability for more digital-centric journeys, using new data capability to look at affordability horizontally across lending propositions and enable proactive, embedded borrowing options with our relationship and partner brands.

Key Accountabilities

• 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 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.

Working for us

Our focus is to be inclusive every day, building an organisation that reflects modern society and celebrates diversity in all its forms. We want our people to belong and to be their best, regardless of background, identity or culture. We are disability confident and welcome reasonable adjustments to recruitment processes.

We offer a wide-ranging benefits package, including:

• 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!

Seniority level

• Mid-Senior level

Employment type

• Full-time

Job function

• Finance
• Industries: Banking

Note: This posting may include non-core text about related roles and generic notices for referrals and notifications. The essential content remains focused on responsibilities and qualifications for the Senior Analyst role.