Lloyds Banking Group
Product Analyst - Credit Cards
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Product Analyst - Credit Cards
Product Analyst - Credit Cards
Closure Date
Monday 13 July 2026
Salary Range
£40,824 - £45,360
We support flexible working options. Possible arrangements include:
- Hybrid Working
- Job Share
Job Overview
Do you possess the skills, innovation, and creativity to thrive in a data-led product team that develops propositions and products to better meet customer needs, while driving cards profit and loss growth?
Join us in the Cards Product Development and Partnerships team, shaping the future of credit cards by building innovative products, launching co-brand card partnerships, and collaborating with global networks such as Visa and Mastercard. We take ownership of every step from idea to launch—balancing commercial success with exceptional customer outcomes.
Reporting to the Analytics Manager, this role pivots on delivering insight and analytics to help the Credit Card product function understand customer needs and behaviour, assess product performance, and realise financial plans—all while spearheading innovation.
By working closely with the Credit Card commercial team, platforms, and other key functional teams such as Affordability, Customer Propositions, Everyday Banking, Customer Insights, and Credit Risk, you will play an instrumental role in nurturing our innovation drive.
Job Title
Product Analyst - Credit Cards
Location(s)
Chester, Manchester, or Cardiff
Working Pattern
Full-time, hybrid (40% in office, roughly 2 days per week at one of our locations).
About the Opportunity
Join our Credit Cards Product Development and Partnerships team and contribute to reshaping the banking landscape through data-driven product innovation. You’ll be instrumental in creating and launching cutting-edge products, refining co-brand partnerships, and enhancing customer experiences across our product spectrum.
Operating within a fast-paced, data-centric environment, your responsibilities will span the entire product lifecycle—from conceptualisation to launch. Analyse customer behaviour, seize growth opportunities, and ensure our offerings deliver a harmonious blend of customer value and commercial efficacy.
Collaborating across product, commercial, risk management, and insight teams positions you at the heart of our collaborative and visionary culture. Your insights will directly drive decision-making, underscoring our commitment to evolving and scaling our credit cards business.
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Job Description
Do you aspire to use data and innovation to shape credit card products for millions of customers?
We're seeking a Product Analyst who can harness data, product thinking, and commercial insight to bring fresh propositions to reality. This is an opportunity to bridge data, innovation, and growth in roles that make tangible impacts on our customers and business.
Responsibilities
In this role, you’ll:
- Work collaboratively across functions in the development of new products and propositions
- Deliver highly tuned insights and analytics to guide commercial strategy and product refinement
- Translate complex data into actionable intelligence that drives business decisions
- Interact extensively with stakeholders in Affordability, Risk, and Customer Operations teams to align strategies
- Contribute to innovation initiatives through data-driven analysis and predictions
- Communicate technical insights straight to non-technical stakeholders
- Employ SQL, SAS, Power BI/Tableau or similar tools and platforms to extract and visualise crucial data
Requirements
Essential
- Proficient numerical and analytical abilities, with experience interpreting complex datasets
- Minimum 2+ years of hands-on experience with SQL and/or SAS in a commercial context
- Knowledge and experience using Excel and PowerPoint, combined with proficiency in data visualisation tools like Power BI, Tableau, or Looker
- Strong track record of converting data into clear, client-ready insights and recommendations
- Demonstrated ability to influence decisions, build stakeholder consensus, and communicate effectively
Desirable
- Prior experience within credit cards, consumer lending, or financial services industries
- Exposure to partnerships, co-branding, or affinity propositions
- Experience with AI tools (e.g., CoPilot), or a background within data-led product teams
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Note: We recognise that skills can be acquired through diverse experiences beyond formal job titles or direct industry roles. If you possess relevant, transferable expertise—apply with confidence!
A Diverse and Inclusive Environment
Our goal is to be the UK’s leading organisation for diversity, equity, and inclusion, fostering an environment where all colleagues can thrive, learn, and develop. We actively commit to reasonable adjustments in the recruitment process to ensure accessibility for all applicants.
Benefits
At Lloyds Banking Group, we pride ourselves on a wide range of benefits designed to support and reward your career and lifestyle:
- A comprehensive pension contribution (up to 15% of salary)
- Annual performance-related bonus
- Share schemes, with complimentary shares
- Customizable benefits to fit your lifestyle (e.g., discounts on popular shopping platforms)
- 28 days holiday, inclusive of bank holidays
- Wellbeing initiatives and generous parental leave policies
- Engagement with pioneering technology and data platforms
Loyalty to Purpose
At Lloyds Banking Group, we channel our efforts toward a shared purpose: to help Britain prosper. Our colleagues are passionate about delivering real value for customers, businesses, and their communities. By joining us, you’ll play a critical role in shaping tomorrow’s financial services, with opportunities to continue learning, growing, and contributing.
Safety and Transparency
We prioritise your data security and will only ever ask for sensitive information during formal interviews or after you’ve received and accepted a verbal job offer. At that stage, background checks are conducted. Any requests for additional information will be explained clearly, and will accrue from trusted members of Lloyds Banking Group.
We strive to cultivate a values-led culture and are dedicated to creating a diverse workforce that reflects the communities we serve.
Together, we're transitioning to inclusive environments where every colleague can flourish and create an enduring impact.
Ready for an enriching career that combines impact with personal growth? Apply today!
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