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Job Description Summary

Job Description

JOB TITLE: Head of Customer Variable Solutions

SALARY: From £104,992

LOCATION(S): Leeds, Bristol, Halifax, Manchester or Edinburgh

HOURS: Full time

WORKING PATTERN: Hybrid, 40% (or two days) in an office site

Are you driven by the opportunity to shape the future of the UK economy? Here’s your chance to make a real difference in how our customers begin, grow, and manage their savings journeys.

Join the Variable Solutions Savings team within Everyday Banking, where we support over 20 million customers across Halifax, Lloyds, and Bank of Scotland with their savings needs.

Take the lead in our Customer Variable Solutions team—steering commercial performance while delivering great outcomes for our customers.

• Strategic Thought Leadership: Define and implement commercial objectives with bold P&L goals, driving major strategic change from concept to delivery.
• Market Driven Insight: Maintain a strong understanding of customer needs, market dynamics, regulatory developments, and competitor trends.
• Customer-Centric Solutions: Prioritise mobile first accessibility, Hyper Personalisation experiences, to support customer financial health as we focus on leveraging our consumer relationships strategy.
• Product Ownership: Lead the product strategy and vision, setting the roadmap in collaboration with the product owner to align with commercial outcomes.
• Achieve Commercial Goals: Deliver the commercial revenue, product budget, and customer volume targets.
• Regulatory & Risk Management: Make informed risk decisions and ensure products follow regulations such as Consumer Duty, while running risk and controls effectively.
• Cross-Functional Collaboration: Partner with Customer Value Propositions to deliver product solutions that meet both commercial and customer priorities.
• Team Development: Build and lead a high-performing team through clear objectives, regular feedback, mentoring, and proactive issue resolution.

If you think all banks are the same, you’d be wrong. We’re an innovative, fast-changing business that’s shaping finance as a force for good. A bank that’s empowering its people to innovate, explore possibilities and grow with purpose.

We’ll be looking for these skills and experiences. But we know careers, like life, don’t always go in a straight line. So, if you don’t have some of these but think you’ve got what it takes, get in touch. We’re hiring for attitude, experience, and expertise in equal measure.

• You’ll be “Customer Obsessed” – demonstrating how you have understood the importance of customer outcomes and the positive impact you have made. How you have anticipated customers' needs and used customer insights to present targeted, coordinated, and outcome-focused solutions and opportunities.
• You’ll be “Commercially Aware” on how to deliver business performance alongside meeting customer needs and supporting a growth strategy. – demonstrating initiatives you have incubated, initiated and delivered with impact.
• You’ll have a “Deep Understanding of the regulatory environment and its application to our business”. Demonstrating your experience and impact in shaping fair value outcomes for customers to putting control by design at the heart of everything we do. Making decisions and recommendations that deliver for our customers at pace within the regulatory risk environment.
• You’ll have an attitude towards Product Innovation & Development – Demonstrating how you have redefined strategies. .
• You’ll be a clear “Leader” demonstrating how you have taken teams through change and created an inspiring, inclusive, energised environment.

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 under-represented groups.

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

• 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.

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.