Product Manager - Pca & Overdrafts Lending

End Date
Monday 15 January 2024
Salary Range
£56,421 - £62,690
We support agile working - click here for more information on agile working options.
Agile Working Options
Hybrid Working
Job Description Summary
Product Manager - PCA & Overdrafts Lending
Job Description
Job title:Product Manager - PCA & Overdrafts Lending
Salary:London £66,000 - £81,000, National: £56,000 - £68,000, plus benefits
Locations:Leeds, Halifax, London, Flexible
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.
About this opportunity
Here in the Personal Current Account & Overdrafts Lending team our ambitious strategy is to build our Overdraft business in a responsible and sustainable way.
As part of Every Day Banking within Consumer Relationships, our team manages customer and business outcomes for personal Overdrafts and Wealth Lending products across all LBG relationship brands. Our focus is on making a real difference to the customers we serve and ensuring the safe operation of our products with a strategy for moving our business forwards, reducing and removing borrowing harm, and improving transparency and ease of use for our customers.
We know that lending to the right customers, at the right time, in the right way, is key to ensuring we lend responsibly. This is a fantastic opportunity to work at the heart of the Group and bring this vision to life, whilst strengthening your own core product management capabilities.
As a Product Manager you'll:

• identify, agree and deliver strategies to drive sustainable growth, reduce financial difficulty and help customers avoid unaffordable borrowing
• use critical thinking to take concepts through ideation to business case and mobilise into delivery, working closely with relevant internal teams and linking into wider Consumer Relationships programmes
• undertake Continuous Product Management, across the product lifecycle and within governance frameworks, to enhance our key controls and ensure good customer outcomes
• work collaboratively with a range of business partners and SMEs (Risk, Legal, Marketing, Consumer Lending, Platform, ,Customer Channel, Financial Wellbeing and Customer Financial Assistance teams amongst others ) to break down silos, deliver at pace - and also give you the opportunity to improve your knowledge!

In this busy, energetic and supportive environment you’ll work across a varied set of topics and learn a huge amount. We encourage our team to be open and curious; everyone has a voice and is free to test new ideas and ways of working. We place high importance on continual learning and our aim is that one day you might become one of our team’s mentors.
Why Lloyds Banking Group
Join us and, as well as making a difference to customers, you’ll enjoy a fulfilling career where you’re free to be yourself. Great colleagues, transforming workspaces, hybrid working and a wide variety of career opportunities - you’ll find them all here.
What you’ll need

• In your Product management background, you've created, launched and/or managed consumer products within Financial Services
• Experience articulating a story to deliver key messages to all audiences and levels in multiple formats - including written and spoken presentations to gain advocacy and / or committee approvals
• Numeracy capability which you've used to develop business cases and produce financial analysis
• Ability to absorb large quantities of information, identify the salient points and drive next steps
• Ability to communicate clearly, collaborate and influence partners across all levels of the organisation
• Adept at leading various tasks concurrently - requiring a high level of proficiency, detail-focus and prioritisation.

And any experience of these would be really useful

• Overdraft / Lending specialist knowledge
• Experience of undertaking analytics using Excel / Power BI / SAS

We'll also be looking for you to have a 'test and learn' mentality, be a strategic and curious thinker, and a motivated initiative-taker.
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 bonus award, subject to Group performance
• 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

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’re building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.