Overview
Sitting within our Risk function, Risk Science is a centre of excellence for analytics, modelling and customer insights. The team supports the wider Risk division by delivering sophisticated data analytics and modelling to support commercial and corporate customer needs and credit decisions across the credit life cycle, and by supporting the bank's prudential requirements such as capital and impairment allocation and capital optimisation. We work with data that underpins vital business decisions and value diversity and collaboration to advance our people.
Responsibilities
* Deliver sophisticated data analytics and modelling to support commercial and corporate customer needs and credit decisions across the credit life cycle.
* Support the bank\'s prudential requirements such as capital and impairment allocation, and capital optimisation.
* Design, develop and deliver Probability of Default (PD) models to meet regulatory and internal requirements; support model validations to ensure continued model performance.
* Build relationships with business partners across the organisation to understand requirements and develop effective modelling and analytical solutions.
* With experience, take ownership of projects and follow them through the end-to-end governance process, communicating and presenting at all levels to gain support and approval of models through strong stakeholder management.
* Provide quantitative and theoretical support to other team members and key partners.
* Contribute to the development of the Risk Science team, sharing learning and participating in team initiatives to build a positive team culture.
Qualifications
* Comfortable working with numbers; either a good degree in a numerate subject or two years of quantitative experience; a numerical or statistical qualification to a minimum of degree level or equivalent is preferred.
* Two years of experience in the use of programming languages (e.g., Python, SAS, SQL) to manipulate data; practical experience in statistical credit-risk modelling techniques and methods is desirable, but training will be provided.
* Analytical problem solvers, able to work creatively with data to draw out insight and answer business questions.
* Effective communicators, building positive relationships with partners and communicating recommendations clearly to influence business decisions.
* Well organised and able to manage their own workload while adapting to changing priorities.
* Proactive in progressing their own personal development and collaborating with others to improve the culture of the wider team.
* We recognise transferable experience and encourage applications from candidates with diverse backgrounds.
About the employer
At Lloyds Banking Group, we are driven by a clear purpose: to help Britain prosper. Our colleagues focus on making a difference to customers, businesses and communities, with opportunities to learn, grow and develop. We keep your data safe and will only collect information as part of the interview or formal offer process for background checks. We are focused on creating a values-led culture and a diverse, inclusive workplace.
Benefits
* 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
* 28 days of holiday, with bank holidays on top
* A range of wellbeing initiatives and generous parental leave policies
Join us if you’re ready to make a difference.
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