Lloyds Banking Group
Product Manager - Credit Cards
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Product Manager – Credit Cards
Location: Chester, Manchester, Leeds, Birmingham, Bristol, Cardiff Hours: Full-time (35 hours per week) Working Pattern: Hybrid (at least two days/week or 40% at office; flexible working, workplace adjustments supported via Flexibility Works policy)
About the Role
We are seeking an ambitious Product Manager to join our Credit Cards Product Development team, with a focus on driving the growth and innovation of our Instalments proposition. This is a critical role where you’ll design, develop and optimize features that empower customers to better manage their spending and repayments.
Key responsibilities include:
- Taking full end-to-end accountability for customer outcomes, commercial performance, and delivery of customer-centric instalment features
- Developing, launching, and optimizing instalment products aligned with policy, risk appetite, and Consumer Duty regulations
- Collaborating with team members (Platform, Engineering, Everyday Banking, and fellow Credit Card Product teams) to execute scalable, compliant solutions
- Balancing customer value, commercial outcomes, and risk while maintaining market competitiveness
Responsibilities
- Drive discrete initiatives within the Instalments product roadmap
- Translate product strategy into actionable roadmaps, priorities, and execution plans
- Work cross-functionally to conceive and deliver high-impact propositions that align with business goals
- Utilize data analytics, customer insights, and market trends to inform decision-making and prioritisation
- Perform stakeholder management and ensure alignment across departments
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Requirements
Essential Skills & Experience
- 3+ years’ experience as a Product Manager, owning products or propositions from concept to launch to optimisation
- Demonstrated expertise within financial services, payments, lending, or other regulated environments
- Proven ability to turn product strategy into clear, actionable plans and roadmaps
- Strong analytical skills, leveraging KPIs, customer behaviour, and market trends to drive decisions
- Exceptional stakeholder engagement and communication—with the ability to influence cross-functional teams and executives
Desirable Skills & Exposure
- Hands-on experience with credit cards, instalments, BNPL, or payments—including proposition design or lifecycle management
- Knowledge of product experimentation (test-and-learn approaches), and agile iterative delivery
- Familiarity navigating regulated product, conduct, and risk governance frameworks
- Transferable experience spanning regulated industries (e.g., Fintech, banking, or lending) can sometimes substitute formal requirements
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Why This Opportunity?
The Credit Cards business is entering a transformative phase, offering a meaningful opportunity to:
- Shape the future of financial Instalments
- Lead high-impact product strategy initiatives
- Drive customer-centric innovations that make a tangible difference
The Team’s Commitment to You
At [Company], we’re building a culture that thrives on Diversity, Equity, and Inclusion—ensuring our colleagues, products, and communities reflect these values. We’ll work with you to remove barriers through adjustments based on your needs.
Our benefits reflect our ambition to support your growth and wellbeing:
- Generous total rewards package
- Up to 15% in company pension
- Annual performance-related bonus
- Equity share schemes (including free shares)
- Flexible perks
- Discounts tailored to your lifestyle
- Work-life balance
- 30 days’ holiday + bank holidays
- Extensive wellbeing initiatives
- Comprehensive parental leave policies
Own a career where impact matters, and you’re rewarded for progress. Apply today.
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