Commerical Trading Senior Manager

JOB TITLE: Commercial Trading Senior Manager

SALARY: The salary banding is £76,194 - £89,640

LOCATION: Chester, Edinburgh, Leeds or Newport

HOURS: 35 hours, full time

WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at one of our office sites.

About this opportunity

We support customers to achieve their aspirations with unsecured personal loans and help them understand their affordability through innovative customer experiences. We're a fun, dynamic and fast paced team who are at the forefront of leading the way for customers & colleagues in transforming & digitising the Retail Bank for Lloyds Banking Group.

We’re offering you the unique opportunity to influence the strategic direction of the UKs largest consumer finance provider.  You’ll be responsible for leading the team to maximise demand generation across our four brands – Lloyds, Halifax, BoS and MBNA – and via our own and third-party digital channels, delivering fair value for customers and ensuring responsible lending within risk appetite.

As the Commercial Trading Senior Manager, you’ll provide actional insight to optimise our commercial performance, proposition development and customer loan demand within our channels and journeys.  You’ll work closely with our Senior Leaders to develop and deliver our business strategy, influence and collaboration are key to success.

What will I be doing?

• Responsible for delivery and optimisation of the commercial plan, budgeting and forecasting and strategic investment initiatives.

• Ownership of business and market forecasts, including lending, balance sheet, market share and income outlook.

• Extensive market knowledge and awareness – making recommendations from your insight to shape the Loans commercial agenda.

• Strong interpersonal skills to maximise commercial impact, demonstrating and maintaining internal and external customer relationships – including our third-party suppliers.

• Ultimately responsible for the maintenance of commercial risk, ensuring opportunities are maximised and risks mitigated.

• Leading and developing a high-performing Commercial Performance team through stretching performance objectives, constructive feedback and coaching.

Why Lloyds Banking Group

From building a truly sustainable business to creating a place where people love to work, we need colleagues who are up for the challenge of our bold ambitions. Who are excited to push boundaries and make change happen. Together, we can grow with purpose.

What you’ll need

• Strong People Leadership and interpersonal Skills: You’ll inspire and empower an inclusive team, be able to stretch, coach and develop to improve performance and provide a great team environment.

• Critical Thinking & Commercial Acumen: Leading the team to maximise commercial performance, with a clear understanding of financial metrics and performance drivers. Highly numerical, data-driven individual, responsible for maximising commercial performance

• Intellectually & Analytically Curious: Unafraid to challenge the status quo, have an intellectually curious outlook, where you seek to innovate and adapt quickly from setbacks.

• Technical & Analytical Expertise:  Proficiency in data analysis, customer analytics, building and validating models for forecasting, pricing, and segmentation and visualisation tools (e.g. Agentic AI, Machine Learning, Python, SQL, SAS, Power BI, Tableau) and experience with cloud-based data platforms (e.g. GCP native tools) providing actionable insight and analytics for the business.

• Data Insights and Storytelling: Apply product led thinking to reporting and analytics initiatives, ensuring solutions are user centric, iterative, and aligned to evolving business needs.

• Communicate & Influence: Present and influence effectively at all levels of the organisation, including the Group Executive Committee (GEC).

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 our people 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 underrepresented groups.

We’re disability confident. So if you’d like reasonable adjustments to be made to our recruitment processes, just let us know

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

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