End Date Thursday 03 July 2025 Salary Range £32,395 - £34,100 We support flexible working – click here for more information on flexible working options Flexible Working Options Hybrid Working, Job Share Job Description Summary Within Liquidity Management we provide liquidity and cash management services across the Group to support customer payment transactions. We collaborate across the organisation supporting cross border payment-flow monitoring, forecasting of daily Nostro positions across global time-zones, optimising funding requirements in over 40 currencies, fulfil liquidity reporting and ensure policy and process compliance. We provide an outstanding service for our customers as well as supporting the Group's strategy to grow, focus and change at pace. Job Description JOB TITLE: Senior Analyst, Payments Liquidity SALARY: £32,395 > £44,330 LOCATION: Brindleyplace, Birmingham HOURS : Full-time WORKING PATTERN : Due to the technicalities of the role and the side-by-side training required, there is an expectation for 100% office attendance for at least the first 2 months. Once training has concluded, the role will align with our hybrid work style, which involves spending at least two days per week, or 40% of our time, at one of our office sites. About us Like the modern Britain we serve, we’re evolving. Investing billions in our people, data and tech to transform the way we meet the ever-changing needs of our 26 million customers. We’re growing with purpose. Join us on our journey and you will too… About this opportunity At Lloyds Banking Group we are driven by a clear purpose to "Help Britain Prosper". Across the Group, colleagues are passionate about making a difference for our customers, businesses and communities. We have a position in our Payments Liquidity team within Group Payments. Our team provides liquidity and cash management services across the Group to support customer payment transactions. We collaborate across the organisation supporting cross border payment-flow monitoring, forecasting of daily Nostro positions across global time-zones, optimising funding requirements in over 40 currencies, fulfil liquidity reporting and ensure policy and process compliance. We provide an outstanding service for our customers as well as supporting the Group's strategy to grow, focus and change at pace. We're seeking someone to join our diverse team, where your impact is real and your opportunity to learn and grow is limitless What you'll do Forecast cash flow positions across Nostro correspondent accounts, related borrowing needs, and available funds for investment, ensuring that sufficient funds are available to meet ongoing operational requirements. Collaborate on short and long-term liquidity planning Manage the Groups global cash resources to ensure that we optimise our use and location of funds in all major currencies and utilisation/transfer of surplus funds to our Group treasurer. Improve efficiency of the Group cash resources by pooling currencies to avoid expose and overdraft costs Regular use of banking systems to forecast intra-day and end of day cash positions. Review and maintain liquidity and funding policies. Implement, maintain systems and procedures that ensure control across Group Treasury activities Review any currency hedge and balance sheet exposures that arise, correcting imbalances where appropriate Work collaboratively to develop and improve strategies to integrate new ideas. Continuously improve our products and processes, identifying efficiencies, improving service, technology or the sustainability of our cross-border payments. Collaborating on business development opportunities with our correspondent bank clients What we are looking for A driven, independent individual with a passion to grow and establish themselves a career in banking and finance. You'll need Ability to build effective working relationships Written and verbal communication - excellent interpersonal skills, including the ability to disseminate technical information Analytical and interpretation skills - questioning, challenging and taking action when things don't look right. Raising risks and issues and identifying solutions with a problem-solving mindset Attention to the detail The ability to prioritise and multi-task, sometimes having to deliver to tight or conflicting timeframes A strategic mindset, with a curiosity to simplify, automate and improve A desire for self-development and intellectual curiosity, adaptable and open to learning new processes, technologies, and regulatory requirements and move with the changing pace of payments Self-starter, able to work with minimal direct supervision Desirable skills Microsoft Excel Attention to detail Analytical mindset Stakeholder management 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 Private medical benefit with BUPA Share schemes Benefits you can adapt to your lifestyle, such as discounted shopping 22 days’ holiday (increases over time), with bank holidays on top A range of wellbeing initiatives and generous parental leave policies Salaries are reviewed annually on 1 April as part of our annual pay review Ready for a career where you can have a positive impact as you learn, grow and thrive? Apply today and find out more. (Please note our roles can generate a considerable amount of interest and close early so don't miss out on this opportunity to apply today. 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.