Lloyds Banking Group
Lloyds Operating System Director
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Chief Digital & Digital Product & Technology Officer – LloydsOS & Digital Experience
End Date: Tuesday 07 July 2026
We support flexible working – click here for more information on flexible working options
Flexible Working Options
- Hybrid Working
- Job Share
Job Description
Role Purpose
Lead the development and continuous evolution of the Lloyds Digital Operating System (LloydsOS), creating a unified, scalable platform that underpins the Group’s digital customer experience.
- Define and deliver the digital product vision and strategy for the Lloyds Banking app, ensuring alignment across brands, platforms, and end-to-end journeys.
- Take accountability for driving the performance, resilience, and continuous improvement of the digital experience for millions of customers.
- Operate at Group level to influence senior stakeholders and embed a truly customer-centric, data-driven culture.
Key Responsibilities
1. Set the Digital Product Vision and Strategy
- Define the long-term ambition for LloydsOS and translate it into a clear, actionable product strategy and roadmap.
- Own the digital product direction of the Lloyds Banking App.
2. Build and Embed a Modern Product and Technology Framework
- Establish a consistent product ethos and governance framework across all digital journeys.
- Define experience, architecture, and engineering standards to ensure scalability, resiliency, and security.
3. Drive Innovation and Future Digital Experience
- Own the innovation agenda, shaping the next generation of digital experiences across navigation, personalisation, and product discovery.
- Drive the convergence of multiple apps into a single, coherent and high-performing digital platform.
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4. Embed AI and Personalisation
- Define how AI is integrated across the digital experience, from predictive support to conversational interfaces.
- Ensure AI capabilities are deployed responsibly, with strong governance and a relentless focus on real customer value.
5. Deliver Secure, Resilient Digital Experiences
- Be responsible for the performance, reliability, compliance, and operational resilience of the Lloyds Banking App.
- Drive continuous improvement, incident management, and consistently high-quality service outcomes for our customers.
6. Drive Commercial Outcomes Through Digital Excellence
- Deliver against Group ambitions for growth, retention, engagement, and cost efficiency.
- Prioritise initiatives based on customer value and commercial impact, embedding strong performance management disciplines.
7. Lead People, Capability, and Organisational Influence
- Build and lead a high-performing, customer-focused product organisation with strong technical and commercial capability.
- Influence and align senior stakeholders across the Group to deliver the LloydsOS vision consistently.
About this Opportunity
This is an excellent opportunity for someone who…
- Has deep experience leading large-scale digital product platforms, ideally in financial services, fintech, or complex consumer environments.
- Brings strong technical credibility, with a solid understanding of architecture, engineering practices, APIs, and data ecosystems.
- Demonstrates proven commercial acumen, with a track record of delivering measurable outcomes.
- Is a visionary leader, who can articulate a compelling future vision while delivering practical, scalable solutions.
- Is genuinely customer-obsessed, using data and insight to drive product decisions and improve experiences.
- Has strong leadership and influencing skills at senior executive level in complex organisations.
- Builds high-performing teams, setting clear expectations and fostering a culture of accountability, collaboration, and continuous improvement.
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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.
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.
Data Protection Notice
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.
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