Product Owner – Consumer Credit Card Origination

LOCATION(S): Chester or Manchester

HOURS: Full-Time

WORKING PATTERN: Our work style is hybrid, which involves spending at least

two days per week, or 40% of our time in the office.

About this opportunity

Lloyds Banking Group is the UK’s leading digital franchise, with over 18 million active online customers across our three main brands - including Lloyds Bank, Halifax and Bank of Scotland - as well as the biggest mobile bank in the country. We're building the bank of the future, and we need your help.

The Cards platform is at the heart of meeting the needs of new and existing customers who want to access flexible credit.  Our purpose is to help Britain prosper through responsible lending.  We’re investing to make it effortless for customers to get the right credit product and features for their situation and lifestyle.  We also know that customers will change over time so we’re making sure that our products grow with our customers and are straightforward to use every day. 

We know the credit landscape is evolving faster than ever and our brands must be in our customer’s channels of choice when they need flexible credit.  We’re building straightforward new credit journeys that give customers clarity on their eligibility, powered by data and the best underwriting.  This is where you come in.  We have an exciting role for a senior Product Owner to join our Acquisitions Lab, taking accountability for how we bring this vision to life.

You’ll be accountable for partnering to create innovative ideas and bringing them to market, whilst responding to our customer’s feedback along the way.  You’ll partner with Product Managers, Customer Journey Managers and dependant platforms, like our core platform provider Fiserv, to bring those features to life.

To be successful in the role you’ll demonstrate the following:

• Ideally you will have experience in a Product or analytical discipline in consumer credit originations or risk underwriting. 
• Leadership of complicated product areas with Product Manager/Owner experience, bringing features to market for customers, using agile methodologies.
• Experience of turning broad and ambiguous ideas into structured, tangible slices of customer value, leading the definition and aligning stakeholders around investment strategies.
• A passion for our existing and potential customers and what they need, gathering and analysing data about customers, competitors and potential opportunities.
• An ability to balance customer and commercial thinking with technical understanding, identifying how we can leverage technology capabilities to deliver innovative experiences.
• Energy and influence without authority to push what’s possible, with a focus on collaboration.

Role responsibilities:

• Accountable for defining the north star vision, team OKRs and investment strategy for the eligibility and decisioning product for the cards business. You’ll stand behind your backlog and the investments we make to support business priorities.
• Lead the definition of work for one or more feature teams, including partnering with Product Owners in other feature teams and platforms to deliver on your vision.
• Partner with Customer Journey Managers, business stakeholders and User Experience Designers to build insights and define improvements to customer journeys.
• Take accountability for appropriate governance being undertaken for your features and journeys.
• Own what you build, taking accountability for journey performance, issues and incidents

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
• 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

If you’re excited by the thought of becoming part of our team, get in touch.

We’d love to hear from you!