Data and Analytics Senior Analyst - Consumer Card Pricing

We're looking for someone who is great at working with large volumes of data, teasing out insights, then bringing these to life when presenting to others. You're proud of the quality of the code you write, with experience writing sophisticated SQL queries, and the ability to write well-documented code in SAS, Python, or another similar language. Your day-to-day will be a mix of data science / engineering, and analysis work: you might be optimizing an SQL query, automating a data pipeline, or developing and presenting a piece of bespoke analysis.

You'll primarily be involved in analysing Balance Transfers and Money Transfers in existing credit card customers - assessing financial performance and customer behaviour. The valuation of BTs and MTs is important in understanding the profitability of the credit card portfolio, and provides commercial insights into all aspects of customer engagement.

Day to day, you will:

• Data provision - writing and optimising SQL queries to support you and the team in performing customized analysis


• Writing code to automate data processing: currently in SAS but transitioning to GCP


• Create analysis to support BT/MT valuation: developing and improving forecasting methodologies, and analysis techniques to provide insights into customer behaviour and performance


• Drive the Promotional BT/MT process from a valuation perspective, developing meaningful insights into behavioural segment performance by price point and ensuring sufficient control over data processes.


• Use our partnerships with colleagues in Finance, Credit Risk and Product Design to build, monitor and update financial valuations for new and existing offers to customers by customer behaviour segment.
  
  Excellent analytical ability with highly developed attention to detail and numerical skills


• Experience handling and simplifying large volumes of data, writing advanced SQL and optimizing existing queries for performance


• A good level of coding experience in one or more programming languages, particularly experience in manipulating data and performing analysis; SAS coding experience is not required but you must be willing and able to pick this up fairly quickly


• Proficient in excel and understanding complex formulas to ensure spreadsheets are efficient and future proofed


• Excellent communicating skills and be able to present succinct summaries of sophisticated and data heavy pieces of work to senior management


• Experience of working independently and setting key priorities for yourself


And any experience of these would be really useful

• Financial services experience including profit and loss knowledge


• Experience with SQL on distributed platforms (e.g., Teradata, Apache Hive) and/or cloud SQL platforms (e.g., GCP BigQuery, Azure, AWS)


• SAS coding experience, Disability Confident

About Disability Confident
A Disability Confident employer will generally offer an interview to any applicant that declares they have a disability and meets the minimum criteria for the job as defined by the employer. It is important to note that in certain recruitment situations such as high-volume, seasonal and high-peak times, the employer may wish to limit the overall numbers of interviews offered to both disabled people and non-disabled people. For more details please go to Disability Confident.

two days per week, or 40% of our time, at one of our office sites with quaterly travel to the Chester office.

Lloyds Banking Group is the largest consumer credit card lender in the UK. Our Credit Cards Pricing and Performance Team use a data-driven approach to make sure our products are always compelling and relevant, and we're excited to be making another delightful addition to the team!

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


Want to do amazing work, that's interesting and makes a difference to millions of people? Join our journey.