End Date Sunday 18 January 2026 Salary Range £59,850 - £66,500 We support flexible working – click here for more information on flexible working options Flexible Working Options Hybrid Working, Job Share Job Description Summary. Job Description JOB TITLE: Product Owner - Consumer Credit Cards - Acquisition SALARY: £59,850 - £66,500 LOCATION(S): Manchester 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 listed above. About this opportunity Lloyds Banking Group is the UK’s leading digital franchise, with over 18 million active online customers across our three main brands - including Lloyds Bank, Halifax and Bank of Scotland - as well as the biggest mobile bank in the country. We're building the bank of the future, and we need your help! The Cards platform helps customers access and utilise flexible credit responsibly. Our goal is to make it easy for customers to choose the right credit product and features for their needs. The credit card platform supports customers end-to-end lifecycle for their card, from research and eligibility right through to payments and retention. As a Product Owner, you’ll support the delivery of these journeys by working closely with Senior Product Owners, Business teams and cross-functional teams. You’ll help turn ideas into reality, ensuring features meet customer needs and business goals. You’ll be defining and owning the backlog for one of our feature teams, that focuses on helping customers understand their credit eligibility. Role responsibilities Support the definition and delivery of features for a single feature team that focuses on credit card eligibility. Own the delivery of an initiative from idea to live, championing iterative delivery, whilst translating complex ideas into a clear and actionable features and stories Understand value, feasibility and usability factors to prioritise your backlog, clearly communicating your rationale Work with other feature teams and tech leads to shape quarterly planning Collaborate with Customer Journey Managers, UX Designers, and business stakeholders to improve customer experiences. Assist in ensuring governance and compliance requirements are met for your features. Take ownership of smaller initiatives or components within larger journeys that support areas such as pricing, products, eligibility and application. What you’ll need: Experience as a Product Owner/Manager working on consumer facing products which put the customer first, if these are in consumer credit or finance products then even better Care about the ‘why’ above all else and are prepared to cut through the noise to get there, with a curiosity, resilience and a willingness to explore new and existing technologies Data centric approach – ability to work with data teams to understand the research and numbers Understanding of agile principles and how to apply those to deliver value faster for our customers as well as strong communication and collaboration skills to work with multiple stakeholders Ability to turn ideas into clear, actionable tasks for delivery teams Commercially minded, balancing a compelling user benefit with commercial needs About working for us 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. 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 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.