Product Lead - Digital Wallets

Consumer Relationships sits at the heart of the Chief Digital Office, shaping the experiences that help millions of personal banking customers manage their everyday money with confidence. From current accounts and payments to savings and customer channels, our teams turn customer insight, market opportunity and regulatory change into brilliant digital experiences and sustainable commercial growth. We're looking for a Product Lead - Digital Wallets to help shape the future of Lloyds' wallet experience. This is a high-impact role at the centre of a fast moving, competitive and rapidly evolving payments space., Working closely with Everyday Banking Payments, external partners such as Visa and Mastercard, and colleagues across marketing, legal, risk, finance and product, you'll help turn bold ideas into trusted, scalable customer experiences.

• Shape and deliver the future vision for digital wallets at Lloyds, working across Consumer Relationships and Embedded Finance, alongside external partners
• Use data, customer insight and market intelligence to identify opportunities for growth, improvement and innovation.
• Build commercially sustainable propositions that deliver great customer outcomes and brilliant service experiences.
• Lead effective collaboration with risk and governance teams to support timely, well-managed approvals.
• Stay close to customer behaviour, competitor activity, regulatory change and emerging wallet trends.
• Partner with product owners to align delivery with the wider product strategy and customer vision.
• Develop future digital wallet innovations, including business cases and impact assessments with relevant platform teams, Our ambition is to be the leading UK business for diversity, equity and inclusion supporting our customers, colleagues and communities, and we're committed to creating an environment in which everyone can thrive, learn and develop.
  
  Minimum 3+ years' experience in payments
• 2+ years experience working as a Product Manager within governance, design and/or platform delivery roles
• Knowledge or hands-on experience of digital wallets. Good awareness of the digital wallets and wider payments market, including emerging trends and future direction
• Background in banking, fintech or payments organisations
• Experience operating in fast-paced, delivery-focused environments
• Strong stakeholder management and engagement skills
We know that great talent comes from many backgrounds. Whilst this job advert may reference specific years of experience, we recognise that skills are developed in many ways, so if you have relevant, transferable experience, we encourage you to apply.

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.

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. We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. And, as a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long-term health or neurodivergent condition through the Disability Confident Scheme. We provide reasonable adjustments throughout the recruitment process to reduce or remove barriers. Just let us know what you need. We also offer a wide-ranging benefits package, which includes:
• A generous pension contribution of up to 15%
• An annual performance-related bonus
• 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