Payments Strategy Manager - Credit Cards

JOB TITLE: Payments Strategy Manager - Credit Cards

LOCATION: Chester, Cardiff or Manchester

HOURS: Full time

WORKING PATTERN: Hybrid, 40% (or two days) in one of our office hubs mentioned above

About this opportunity

Step into the dynamic world of payment innovation and make a tangible impact on millions of customers who rely on our products and services every day!

As a member of the Payments Strategy team in Credit Cards, Consumer Lending, you will play a pivotal role in protecting and growing retail spend by offering customers diverse payment options and enhancing their overall payment experience.

Our teams’ key responsibilities are:

• The end-to-end payment strategy and experience for credit card users across all our channels and brands – Lloyds Bank, Halifax, Bank of Scotland, and MBNA.

• Drive a seamless, mobile-first customer experience.

• Ensure the efficiency, effectiveness, and security of payments to maximise retail transaction completion (authentication and authorisation).

• Leverage technological advancements and new payment rails to enhance existing propositions and create new ones.

• Collaborate with Everyday Banking, Group Payments, and other areas (e.g. Open Banking) to deliver a cohesive payment ecosystem, shape industry direction, and drive customer-centric outcomes.

Our scope includes defining and delivering the Consumer Cards Payments strategy, monitoring the performance of deployed solutions, and understanding customer behaviours and trends.

The initiatives for your role will continuously evolve and are likely to include developing key authentication capabilities, new ways for customers to pay and digital propositions that enhance the end-to-end payment experience.

As a Payments Strategy Manager, your day-to-day activities will involve:

• Collaborate with a broad range of internal and external stakeholders (e.g., VISA) to define, assess, and oversee the delivery of key initiatives within the Cards Payments roadmap.

• Ensure initiatives meet business and customer needs and align with Group frameworks and risk policies.

• Help shape, define, and prioritise the payment initiative pipeline to align with the strategy and vision for cards.

• Maintain a natural curiosity and appetite for continuous learning in a highly complex, ambiguous, and fast-paced environment.

What You’ll Need…

• Experience in the UK credit card and/or payments markets, with an understanding of customer behaviour, market dynamics, regulatory changes, and competitor trends.

• A proven track record in leading the definition and delivery of innovative payment-related solutions and services that provide compelling customer propositions.

• Strategic thinking and commercial experience to understand the success drivers and challenges of a business.

• Strong leadership skills, self-motivation, and organisation.

• Excellent analytical, communication, and influencing skills suitable for all levels of an organisation, with the ability to use data to support, enhance, and drive decisions.

• A collaborative spirit, excelling at working with multi-disciplinary teams to achieve positive outcomes for the business and customers.

About Working for Us…

Our ambition is to be the leading UK business for diversity, equity, and inclusion, supporting our customers, colleagues, and communities. We are committed to creating an environment where everyone can thrive, learn, and develop.

We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and launch a dedicated Working with Cancer Initiative.

We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location, and working patterns. 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 bonus award, subject to Group performance

• 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

Want to do amazing work, that’s interesting and makes a difference to millions of people? Join our journey!

And finally…

We are at a decisive moment in shaping the new vision and strategy for cards. If you’re excited about the opportunity to join our team during this transformative time, we’d love to hear from you!