Job Description

End Date Monday 11 December 2023

Salary Range \xc2\xa385,255 - \xc2\xa3100,300

Agile Working Options Other Agile Working Arrangements / Open to Discussion

Summary Product Owner, Embedded Finance.



Job title: Product Owner, Embedded Finance

Salary: \xc2\xa371,825 - \xc2\xa384,500 (National), \xc2\xa385,255 - \xc2\xa3100,300 (London)

Locations: Chester, Leeds, London

Hours: Full Time

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. Ideally you\xe2\x80\x99ll be based in London; if you\'re based in Chester or Leeds, frequent travel to London will be required.

About this opportunity

Here in the Embedded Finance team, we\'re a start-up group within Consumer Lending and are tasked with building out propositions that solve customers\xe2\x80\x99 financial needs, when and where they are.

We want to tackle problems for existing franchise customers as well as those new to franchise, using outstanding LBG capabilities in ways that are coordinated into customers\xe2\x80\x99 existing lifestyles. We\xe2\x80\x99ll be bold and innovative in our use of data and technology to put customers first, to build balanced and long-term business models, thus adding to Group capabilities overall.

We\xe2\x80\x99ll continually test and iterate for growth and takeaways. We seek people with a desire to learn, an ability to build thought-partnerships with a broad range of specialists across functions, and the patience and resilience to implement strategies that will evolve with changing customer, market and regulatory contexts.

As the Product Owner, you\xe2\x80\x99ll report into the Managing Director, Embedded Finance, and will work closely with commercial teams across Functions (e.g. Product, Tech, Credit Risk, Finance, Strategy.), Business Units (e.g. BCB, CIB) as well as our External Technology Partner (NewDay Tech) to build one of the core capabilities for the team.

The key success factor for the role will be the set up and delivery of a clear Tech Roadmap for Embedded Finance, encompassing builds of capabilities, features and user experience as we create new propositions to meet evolving customer and channel needs.

To build this, you\xe2\x80\x99ll partner collaboratively with technology partners inside and outside the Group, keep a close watch on competitors\xe2\x80\x99 solutions and emerging capabilities, and continually monitor resource utilisation for an efficient and effective delivery of solutions.

Building strong mechanisms for taking in new requirements from potential channel partners, customers, and internal stake-holders, you\xe2\x80\x99ll suggest creative ways to leverage existing and future builds to keep Embedded Finance at the leading edge of customer solutions.

This role is an exciting opportunity to build out a suite of Embedded Finance solutions from scratch, by partnering externally and internally with a range of service providers and technology partners.

About us

Join us and, as well as making a difference to customers, you\xe2\x80\x99ll enjoy a fulfilling career where you\xe2\x80\x99re free to be yourself. Great colleagues, transforming workspaces, hybrid working and a wide variety of career opportunities \xe2\x80\x93 you\xe2\x80\x99ll find them all here.

What you\xe2\x80\x99ll need

• You\xe2\x80\x99ve had significant experience of translating customer and business requirements into technology-based solutions, at a senior level.
• You\xe2\x80\x99re adept at setting up and delivering Tech Roadmaps for new consumer products and propositions.
• Highly experienced at managing relationships with external partners, providers and stakeholders to deliver solutions.
• Accustomed to setting strategic direction with aspirational outcomes, you\xe2\x80\x99re also happy to get stuck in and help build agile, learning solutions.
• Comfortable with challenge, you\xe2\x80\x99re use to asking penetrating questions, and engage constructively when challenged yourself.

You\xe2\x80\x99re someone who seeks hard technology and process challenges, and can come up with simple solutions that balance short-term outcomes with long-term direction. You engage collaboratively with partners to bring all hands on deck to solve a problem.

You care about detail but are comfortable with uncertainty and ambiguity \xe2\x80\x93 you can zoom out to see which areas of detail truly matter, and how to build with the right tolerances. You also enjoy collaborating across teams and can build strong relationships at pace. And you\xe2\x80\x99ll relish the opportunity to be part of a team that is building for growth!

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\xe2\x80\x99s why we especially welcome applications from under-represented groups.

We\xe2\x80\x99re disability confident. So if you\xe2\x80\x99d 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\xe2\x80\x99 holiday, with bank holidays on top
• A range of wellbeing initiatives and generous parental leave policies

Ready to start growing with purpose? Apply today!

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\xe2\x80\x99re building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.

Lloyds Banking Group