Description
JOB TITLE: Retail Finance Manager - Cards, Loans & Embedded Finance
SALARY: £67,000 - £74,470
LOCATION(S): Halifax, Leeds, Bristol, Cardiff, Newport or Chester
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:
Are you naturally curious, passionate about solving analytical problems, and thrive in a fast-paced environment? If you’re driven to make a meaningful impact on the businesses we support, this could be the opportunity for you.
Our Finance team partner the Retail Business — the largest division within Lloyds Banking Group. In this role, you’ll work closely with the Senior Finance Business Partner and the Business to support on exciting new projects, stay close to business trading performance, and drive analysis and insight across the full financial P&L. Your work will help drive challenge, enable better decision-making, and help shape the strategic direction of the businesses we support.
We’re currently recruiting a Finance Manager to join our Cards, Loans, and Embedded Finance Business Partnering team — supporting some of the UK’s leading unsecured lending products. This is a high-impact role where you’ll help shape product performance, customer outcomes, and strategic decisions through data-driven insight.
Day to Day, you will:
1. Work with the Senior Finance Business Partners and the Business to deliver insightful analysis across the full P&L for Cards, Loans, and Embedded Finance products.
2. Support our Planning and Reporting Finance team with forecasting, budgeting, and strategic planning, through storyboarding and insights.
3. Provide clear, data-driven recommendations to influence decision-making and drive commercial outcomes.
4. Identify performance trends, risks, and opportunities, and communicate findings to senior stakeholders.
5. Collaborate with cross-functional teams to understand business drivers and ensure alignment with financial strategy.
6. Support the development of business cases and investment appraisals for new initiatives.
7. Take ownership of your own personal development and contribute to a culture of continuous improvement.
Why Lloyds Banking Group:
Join us and, as well as making a difference to customers, you’ll enjoy a fulfilling career where you’re free to be yourself. Great colleagues, transforming workspaces, hybrid working and a wide variety of career opportunities – you’ll find them all here.
What you’ll need:
8. Qualified accountant (e.g. ACA, ACCA, CIMA) or equivalent experience in a financial analysis role.
9. Strong analytical and problem solving skills with experience in interpreting complex data and presenting clear insights.
10. Proven ability to influence stakeholders and communicate financial information effectively.
11. Experience working in a fast-paced, commercially focused environment.
12. A curious and self driven mindset
About working for us:
Our ambition is to be the leading UK business for diversity, equity and inclusion supporting ourcustomers, colleagues and communities and we’re committed to creating an environment in whicheveryone can thrive, learn and develop.
We were one of the first major organisations to set goals on diversity in senior roles, create amenopause health package, and a dedicated Working with Cancer Initiative.
We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility inoffice attendance, location and working patterns. And, as a Disability Confident Leader, we guaranteeinterviews for a fair and proportionate number of applicants who meet the minimum criteria for therole with a disability, long-term health or neurodivergent condition through the Disability ConfidentScheme.
We provide reasonable adjustments throughout the recruitment process to reduce or removebarriers. Just let us know what you need.
We also offer a wide-ranging benefits package, which includes:
13. A generous pension contribution of up to 15%
14. An annual performance-related bonus
15. Share schemes including free shares
16. Benefits you can adapt to your lifestyle, such as discounted shopping
17. 30 days’ holiday, with bank holidays on top
18. A range of wellbeing initiatives and generous parental leave policies
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.