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Customer Affordability & Value Optimisation - Senior Analyst

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End date

Wednesday 02 April 2025

Salary range

£39,825 - £44,250

We support agile working

Click here for more information on agile working options.

Agile Working Options

Job Share; Hybrid Working

Job description

JOB TITLE: Customer Affordability & Value Optimisation - Senior Analyst

LOCATION(S): Chester, Cardiff, Halifax, Leeds, Manchester

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 an office hub mentioned above.

About this opportunity

In Customer Affordability and Data, we concentrate on three key zones. First, we focus on providing customers with their affordability, ensuring they have a clear understanding of their financial capabilities. Second, we aim to transform how we assess affordability, continuously improving our methods to better serve our customers. Finally, we are dedicated to developing our data capabilities, leveraging advanced analytics to enhance our decision-making processes.

Within Customer Affordability & Value Optimisation (CAVO), we're primarily focused on Zone 2 – reshaping how we evaluate and manage customer affordability for digital-centric journeys. We're breaking down barriers and embracing new data capabilities to examine affordability across all Consumer Lending (CL) propositions. This powerful approach will be essential in offering customers proactive and embedded borrowing options, both within our relationship brands and partner brands.

At CAVO, we offer a dynamic environment where you can enhance customer strategies by elevating the customer experience, improving credit quality, and driving segment growth across all Consumer Lending products. Our focus on affordability and eligibility is grounded in a proven understanding of portfolio performance and stakeholder objectives. You'll thrive in our fantastic team environment, collaborating with stakeholders across multiple teams and functions, both internally and externally. We also provide ample growth opportunities, supporting inquisitive colleagues with a strong desire to learn and innovate.

What you’ll need

  • Previous experience in an analytical, credit, or product environment.

  • Well-developed data and analytics skills, with a track record of sharing analysis and insights with senior colleagues.

  • Experience in using segmentation, models, and analytical toolsets to support making recommendations.

  • Proficiency in SAS/SQL coding and solid understanding of Microsoft Office packages

Desirable

  • Experience working within a Consumer lending product environment

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.

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 range of wellbeing initiatives and generous parental leave policies

If you’re excited by the thought of becoming part of our team, we’d love to hear from you!
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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'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.