Head of Lending Product, Business and Commercial Banking

Our team consists of Lending, Asset Finance, Commercial Cards and Invoice Finance and our Lending Platform in support of transformation across them. Our goal is to provide products and propositions to businesses of all sizes in the UK. The provision of these is grounded in our deep understanding of clients' needs enabling them to optimise and increase their cashflow, manage risk and fund growth. We're searching for a new Head of Lending Products reporting directly to the Manager Director, L&WC. Lending is at the heart of meeting evolving customer needs and consistent with our group purpose of Helping Britain Prosper and plays a pivotal role to the success of our Business and Commercial Banking (BCB) division. You'll be accountable for all channels, product management and development, the financial and risk outcomes and the end-to-end journey across all BCB's segments including Business Banking, SME and Mid Corporates representing more than 1m customers. We're in the middle of an exciting transformation and growth phase against a competitive landscape. Leading a team of 25 Product specialists, you'll inspire and lead the team on a key ground-breaking journey, whilst playing a meaningful role amongst the L&WC leadership team! Responsibilities: The role will include defining and delivering against the strategy, setting and managing financial, customer and transformation objectives across the end to end operating model. The opportunity to grow the product working in partnership with the Commercial Lending Platform, Credit and developing our ESG agenda makes this role even more interesting. The individual will need to influence both internally and externally by delivering the value for the Group and increasing support for UK businesses. There is scope to increase the reach of the role as we continue to evolve. You'll therefore require expert leadership and influencing capabilities to design and deliver simple, strategic solutions whilst leading, coaching and influencing the wider RM teams, Digital Channel, Operations and Risk teams. Why Lloyds Banking Group We're on an exciting journey and there couldn't be a better time to join us. The investments we're making in our people, data, and technology are leading to innovative projects, fresh possibilities, and countless new ways for our people to work, learn, and thrive. What You'll Need

• Prior experience of product management including the delivery of financial, strategic metrics, credit, risk and client experience metrics
• Highly motivated, self-starter with ability to identify tactical and strategic improvement opportunities, informed by both internal performance metrics and broader industry and market insight.
• Experienced leader able to distil often complex problems into easy to understand outcomes and lead their team to success, delivering business results through others by coaching, training & developing.
• Commercial skills, being able to set out and make trade offs for the best outcome.
• Ability to Communicate, present and influence effectively at all levels of the organisation, including the Group Executive Committee (GEC).
• Utilises customer and market insights, in collaboration with propositions and platform teams, to make strategic recommendations at a senior level.
• Delivery of strategic digitisation activity to increase share of market, increase size of addressable market and mitigate current infrastructure risk.
• Work closely with the key partners across the Group, developing and maintaining relationships to support effective outcomes and driving an end-to-end view to drive good customer and regulatory outcomes as well as market share and revenue growth.
• Develop and maintain an effective external network to remain close to customer needs, market innovation and regulatory change.
  
  Want to do outstanding work, that's interesting and makes a difference to millions of people? Join our journey.
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.

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