End Date Tuesday 16 September 2025Salary Range £124,653 - £146,650Flexible Working Options Hybrid Working, Job ShareJob Description Summary .Job DescriptionJOB TITLE: Product Owner – Embedded Finance.SALARY: £104,992pa to £146,650pa (dependent on experience and location) plus an extensive benefits package.LOCATION: London, Bristol, Manchester, Leeds or Chester.HOURS: Full time.WORKING PATTERN: Hybrid, 40% (or two days) in any of the hubs listed above.About this opportunityWe’re on an exciting journey to transform Lloyds Banking Group (LBG) and the way we’re shaping finance for good. We’re focusing on the future, investing in our technologies, workplaces, and colleagues to make our Group a great place for everyone.We're about to set up a new and exciting Product Lab for new initiatives in Embedded Finance closely linked with other Business Units across LBG. As the Lead Product Owner for this Lab, you’ll report to the Director of Embedded Finance and will work closely with other LBG Product Labs (e.g. Cards, Everyday Banking, Payments), functional teams, and of course, with our technology teams to build and deliver exciting new propositions in partnership with third parties and internal Business Units.In LBG, the Lab Product Owner is the overall owner for a single, large and complex product backlog which may contain many features, journeys or technology components. This role aims to provide value to customers and stakeholders by ensuring the teams focus on addressing the right issues. This involves fostering collaborative and empowered teams that take ownership of outcomes, encouraging innovation, and minimizing risk through data-driven testing and learning.You would be responsible for:The championing of customer agenda through the embedding Consumer Duty, directing the team’s ways of working and integrating the customer lens into everything that we do.Developing strategic solutions by anticipating complex issues, seeking out opportunities to leverage capabilities and maximise re-use.Acting as the organisational authority and established expert understanding and championing the customer, whilst balancing business and technology outcomes.Creating and delivering against the product roadmap and Objectives & Key Results (OKRs) for the Lab, which align to our Group strategy.Managing external vendor / supplier relationships navigating commercial agreements and service levels.Successfully creating a proactive and autonomous culture for successful implementation and outwardly promoting achievements in order to attract, retain and develop talent within the lab.Measuring success and ensuring the team understand the value that we are creating for our customers and business.The delivery of income and commercial plans.Operating within a sound risk framework, maximising safe delegation of authority to teams in line with LBG Group standards.About youStrategic thinking with a passion for creating outstanding customer experiences.A commitment to driving customer and data driven solutions, ensuring they address customer needs and drive value.Awareness of the latest technology and digital solutions to meet our customer’s needs.An intellectually curious outlook, where you seek to innovate and adapt quickly from setbacks.Experience in building and leading inclusive collaborative team cultures and a desire to actively drive your own as well as the team’s development and talent pipeline.Extremely strong relationship building and influencing skills – being adept in navigating matrix organizations and managing external commercial stakeholders with the complexities of competing priorities.Experience in applying agile and scrum methodologies and an awareness of the tools e.g. Jira & Confluence.Leading large, strategic transformations to deliver impact and unlock value.A Proven track record of cost control, delivering within budget and using resources effectively.Strong business and commercial acumen. Proven ability to deliver better, faster and cheaper.Adept at immersing into a Product Business Area including external market trends to bring industry-leading insight to the organisation.About usWe’re on an exciting journey and there couldn’t be a better time to join us. The investments we’re making in our people, data, and technology are leading to innovative projects, fresh possibilities, and countless new ways for our people to work, learn, and thrive.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 everyone 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.If you’re excited by the thought of becoming part of our team, get in touch.We’d love to hear from you!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.
