Credit Officer - Motor Credit Risk

£48784 - £79274 per annum
30 Jun 2022
11 Jul 2022
Full Time
Contract Type

Would you like a job where responsible lending and cars go hand in hand? We have an exciting opportunity for a Credit Officer to join us!!!

About us

We're a Credit Risk team accountable for making automated credit decisions for our market leading Motor Finance & Leasing brands, Black Horse and Lex Autolease. 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.

It's an exciting time to be joining the Motor team as we're heavily investing in our data and infrastructure to improve our credit decisioning capabilities and you'll help us to shape and deliver this. The Group has set out its ambitions to become a market leader in low emissions and sustainability, and Motor is a key part of that plan. If you want to support the Bank on its journey to be carbon zero by 2030, come and join us.

What are we looking for

You'll lead and develop a successful team who oversee and optimise Motor Credit Risk strategies and systems. You'll be accountable for ensuring customers are lent to responsibly and that new lending optimises the balance between risk and reward for the Motor business. You'll act as a key point of contact, building collaborative relationships. You'll contribute more broadly to the Lloyds Banking Group Retail Credit team.


  • Analytical expertise - you'll have practical experience of using and coaching others to use analytical software, such as SAS or SQL, to deliver actionable insight. You'll also be confident using Microsoft Office.
  • Credit Risk - you'll have experience managing credit risk using automated strategies and scorecards.
  • Change Management - you'll be able to define and oversee change that helps improve the way we do things
  • Communicating effectively - you'll be a compelling communicator who is able to explain complicated issues clearly to different audiences; technical, non-technical. You'll build effective relationships with people.
  • Leading others - you'll have a passion for developing your team through stretching objectives, feedback and coaching, supporting and inspiring them to deliver on our purpose.


  • Strong numerate skills and qualifications (either A-Level or Degree)
  • Close attention to detail
  • Deputising for senior leadership as needed and supporting them to shape the future of credit risk for Motor
  • Experience in both personal and business lending.

What will you get in return

A great reward package, including 30 days holiday, generous pension contributions and additional 4% of your salary to be used within our Flex scheme. You'll learn new skills and be given opportunities to grow and develop to help you achieve a rewarding and fulfilling career. We're a supportive team who care about your wellbeing. Our hybrid ways of working supports your work-life balance, with a mix of home and office working.

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!

We'll ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation.

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