Job Title: Head of Commercial Performance
Hours: Full-Time
Working Pattern: Our work style is hybrid, involving at least two days per week or 40% in the office.
About the Business
We support customers in achieving their aspirations with unsecured personal loans and provide innovative customer experiences through Your Credit Score. We are a dynamic team leading digital transformation in retail banking for Lloyds Banking Group.
Opportunity Overview
Lead the strategic direction of the UK's largest consumer finance provider, managing demand generation and customer pricing across four brands—Lloyds, Halifax, BoS, and MBNA—via digital channels, ensuring fair value and responsible lending.
Key Responsibilities
1. Develop and lead a high-performing commercial team with clear objectives and coaching.
2. Manage the Loans 'Best in Class' pricing strategy, optimize individual customer pricing, and deliver margin plans.
3. Utilize advanced analytics to inform pricing decisions and navigate approvals from senior leadership.
4. Provide market insights to shape the commercial agenda.
5. Maintain stakeholder relationships internally and with third-party suppliers.
6. Ensure product and pricing decisions align with credit risk appetite and deliver fair customer value.
7. Oversee profitability analysis, funding costs, expected loss rates, and capital assumptions.
8. Lead performance reviews and maintain accurate MI on trading and pricing.
9. Manage business and market forecasts, including lending, market share, and margins.
Candidate Profile
Seeking a leader with strong interpersonal skills, commercial acumen, critical thinking, data storytelling abilities, and effective communication skills. Experience in inspiring teams and driving performance in a financial services environment is essential.
Our Culture & Benefits
We value diversity, inclusion, and employee wellbeing, offering benefits such as a competitive pension, bonuses, share schemes, flexible benefits, generous holiday allowance, and wellbeing initiatives.
If you are passionate about making a difference and meet the criteria, we welcome your application.
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