Senior Credit Manager, Lloyds Bank Cardnet Merchant Services

JOB TITLE: Senior Credit Manager, Lloyds Bank Cardnet Merchant Services

SALARY: £83,411 - £107,943

HOURS: Full time

LOCATION(S): Basildon, Essex

WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at one of our office sites.

About this opportunity

The Senior Credit Manager, Lloyds Bank Cardnet Merchant Services is a key leadership role within our Business & Commercial Banking Credit Risk and Merchant Services Leadership Teams.

Merchant Services is a key growth business with a multi-million, multi-year investment plan. As a Merchant Services Credit Lead, you'll have an opportunity to shape risk appetite, deploy new ways of working, deliver growth through insightful decision making, use and develop industry leading risk management tools and strategies, and ultimately make a genuine difference to our customers.

This is your chance to be a leader and role model for our Credit Risk and Merchant Services teams in Business & Commercial Banking. Using your industry leading insights, you'll bring leadership and strong risk management skills to support customers and help our business grow within the Bank's risk appetite framework.

Day-to- day you will:

• Be an active member of the Credit Risk and Merchant Services Leadership teams

• Lead and role model the Credit Risk team, coaching and inspiring colleagues within and across teams to help them grow, reach their potential and succeed together

• Be the Bank's Merchant Services Credit Risk subject matter expert, making credit risk decisions, finding solutions and informing risk management discussions to support customers and business growth

About us

We're on an exciting journey to transform our Group and the way we're shaping finance for good. We're focusing on the future, investing in our technologies, workplaces, and colleagues to make our Group a great place for everyone. Including you.

What you'll need

• Proven excellence and market insights in credit risk management in a UK commercial banking or payments environment over an extended period

• Technology leadership, advising on best-in-class merchant services technology solutions to manage credit and fraud risks

• A track record of being able to drive growth through new and innovative credit risk methodologies, strategies and automated decisioning

• Excellent client and portfolio management skills, supporting customers in financial difficulty whilst managing risks within defined risk appetite

• Experience in delivering change, transforming teams and redesigning processes

• A track record across multiple teams of developing and inspiring colleagues to grow, develop and maximise their potential

• Great stakeholder management skills with colleagues at all levels utilising your excellent communication and influencing skills

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're committed to creating a consciously inclusive workplace where our colleagues can be themselves, thrive and perform at their best.

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.

As an inclusive employer, we offer Workplace Adjustments for colleagues with a disability (which may include long-term health and neurodivergent conditions) where it is reasonable to do so. This could include flexibility with regards to office attendance, location, and working pattern.

We are proud to be a Disability Confident Leader. If you have a disability, you can also apply via our Disability Confident Scheme (DCS). Through the DCS, we guarantee to interview a fair and proportionate number of applicants with a disability, whose application meets the minimum criteria for the advertised job role.

We also provide adjustments that are reasonable throughout the recruitment process to reduce or remove barriers for applicants with a disability, long-term health condition or neurodivergent condition. If you'd like an adjustment to the recruitment process just let us know.

We also offer a wide-ranging benefits package, which includes:

• 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

• 30 days' holiday, with bank holidays on top

If you're excited by the thought of becoming part of our team, get in touch! We'd love to hear from you!