JOB TITLE: Product Owner - Consumer Credit Cards - Acquisition

SALARY: £59,850 - £66,500

LOCATION(S): Manchester or Chester

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 listed above.

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 helps customers access and utilise flexible credit responsibly. Our goal is to make it easy for customers to choose the right credit product and features for their needs. The credit card platform supports customers end-to-end lifecycle for their card, from research and eligibility right through to payments and retention.

The credit landscape is evolving quickly, and we need to be present in the channels customers prefer. We’re creating straightforward journeys that give customers clarity on eligibility and decisions, powered by data and strong underwriting. 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’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 Product Owner to join our Acquisitions Lab, taking accountability for how we bring this vision to life.

As a Product Owner, you’ll support the delivery of these journeys by working closely with Senior Product Owners, Business teams and cross-functional teams. You’ll help turn ideas into reality, ensuring features meet customer needs and business goals. You’ll be defining and owning the backlog for one of our feature teams, that focuses on helping customers understand their credit eligibility.

Role responsibilities

• Support the definition and delivery of features for a single feature team that focuses on credit card eligibility.

• Own the delivery of an initiative from idea to live, championing iterative delivery, whilst translating complex ideas into a clear and actionable features and stories

• Understand value, feasibility and usability factors to prioritise your backlog, clearly communicating your rationale

• Work with other feature teams and tech leads to shape quarterly planning

• Collaborate with Customer Journey Managers, UX Designers, and business stakeholders to improve customer experiences.

• Assist in ensuring governance and compliance requirements are met for your features.

• Take ownership of smaller initiatives or components within larger journeys that support areas such as pricing, products, eligibility and application.

What you’ll need:

• Experience as a Product Owner/Manager working on consumer facing products which put the customer first, if these are in consumer credit or finance products then even better

• Care about the ‘why’ above all else and are prepared to cut through the noise to get there, with a curiosity, resilience and a willingness to explore new and existing technologies

• Data centric approach – ability to work with data teams to understand the research and numbers

• Understanding of agile principles and how to apply those to deliver value faster for our customers as well as strong communication and collaboration skills to work with multiple stakeholders

• Ability to turn ideas into clear, actionable tasks for delivery teams

• Commercially minded, balancing a compelling user benefit with commercial needs

About working for us

Our ambition is to be the leading UK business for diversity, equity and inclusion supporting our customers, colleagues and communities and we’re committed to creating an environment in which everyone can thrive, learn and develop.

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.

We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. And, as a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long-term health or neurodivergent condition through the Disability Confident Scheme.

We provide reasonable adjustments throughout the recruitment process to reduce or remove barriers. Just let us know what you need.

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!