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Job Description Summary

Job Description

At Lloyds Banking Group, we have a clear purpose; to help Britain prosper and to become the best bank for our customers. What we do makes a genuine difference to families, businesses and communities, and we're playing a central role in building a growing UK economy.

We have an exciting opportunity to join the consumer relationships business in key anchor products, PCA and Payments, to influence the strategic direction of new and innovative propositions to help meet customer needs.

Here in the Propositions & Business Development team we're responsible for identifying growth opportunities, and outlining initiatives to drive profitability across the PCA, Payments, and Fraud and Financial Crime business. Specific team responsibilities include, but are not limited to:

• Supporting the development of the Group’s strategic response to a range of topics, e.g. Current Account range strategy, payments strategy, proposition development (BNPL for example), addressing the growing threat of fraud, and supporting customers through the cost of living challenge
• Defining opportunities to grow Other Operating Income, including through commerce services, additional propositions and consideration of non-FS markets
• Leading our response to payments developments, including peer to peer payments and digital currencies (e.g., crypto currencies, CBDCs)

Key Responsibilities:

• Supporting the strategic formulation and development for key proposition initiatives and projects, covering customer experience and investment activity.
• Providing a key role in crafting innovative products and services with viable go-to-market plans.
• Providing analysis, insights, and recommendations to improve customer experience, income, costs, risks, and investment priorities for relevant products & services.
• Collaborate with internal and external partners to ensure delivery of key projects and initiatives.

Capabilities, Skills & Experience:
Essential:

• Experience in strategy and / or problem solving, communicating ideas and solutions in both verbal and written formats.
• Experience in ideating and crafting new propositions to meet customer needs with an emphasis on innovation and differentiation
• Ability to apply critical thinking and structured communication, often to tackle sophisticated or unclear problems / issues.
• An understanding of PCA & Payments and key trends (e.g. customer, market and competitor).
• Capabilities in crafting clear and informative papers.
• Required skills to undertake financial analysis (incl. to support cases).
• Ability to collaborate and work effectively with broader team.
• Self-motivation to inspire change, and deliver positive outcomes for both the business and customers.

So what can we offer you in return?
You'll receive a package that includes:

• Discretionary performance share award
• Private Medical Insurance
• Generous pension contribution
• 30 days leave plus bank holidays
• Flexible benefits.

Our team operates to a hybrid working model which is a mix of home and office based working. We're happy to consider agile working requests.

We're committed to building a workforce which reflects the diversity of the customers and communities we serve, and to building an inclusive environment where all our colleagues can be themselves and succeed on merit.

So if you’d like to be part of our inclusive values-based culture, and want to be stretched and fulfilled, we’ll help you build a career that will make a difference to you and our customers.

Together we make it possible!

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.