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Product Owner - Embedded Finance

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Job Description Summary

Job Description

JOB TITLE: Product Owner - Embedded Finance

LOCATION: London

HOURS: Full time

WORKING PATTERN: Hybrid, 40% (or two days) in one of our office hubs mentioned above

About the role

Here in the Embedded Finance team, we're a start-up business within Consumer Lending tasked with building out propositions that solve customers’ financial needs, when they arise and wherever they are.

We want to tackle problems for existing franchise customers as well as those new to franchise, using outstanding LBG capabilities in ways that are co-ordinated into customers’ existing lifestyles. We’re bold and innovative in our use of data and technology in putting customers first, creating world-class customer experiences, to build balanced and long-term business models, adding to Group capabilities overall.

We continually test and iterate for growth and insights. We seek people with a desire to learn, an ability to build thought-partnerships with a broad range of specialists across functions, and the patience and resilience to implement strategies that will evolve with changing customer, market, and regulatory contexts.

The purpose of the Product Owner is the overall ownership of a specific product which contains features, journeys, or technology components. This role is responsible for overseeing the release of incremental value within a specific product feature or technology component, with the primary aim of delivering value to customers and stakeholders by ensuring the team focuses on the right priorities.

What you'll be doing...

Lead Agile Delivery
Facilitate agile ceremonies and ensure alignment with the Platform Change Framework (PCF), promoting team adherence and continuous improvement.

Product Ownership & Backlog Management
Define and prioritise user stories and acceptance criteria, manage the team product backlog, and collaborate with Customer Journey Managers to enhance customer experiences.

Governance & Readiness
Oversee end-to-end product change governance and business readiness activities, including training, communications, testing, and implementation planning.

Cross-Platform Collaboration
Coordinate with Integrators on complex changes spanning multiple platforms and contribute to the overall product vision and roadmap alongside senior Product Owners.

Performance & Coaching
Support team OKRs, track product performance and benefits realisation, implement development frameworks, and mentor others across the organisation.

Problem Solving & Product Evaluation
Demonstrate resilience and creativity in resolving blockers, uncover emerging issues, and assess the feasibility of financial product proposals with guidance from senior colleagues.

About us

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 be curious, think different, innovate, explore possibilities and grow with purpose.

What you’ll need:

• Drive, enthusiasm and the confidence to take the initiative

• Strong Collaborator skills - using personal impact and positioning to build and sustain long-term relationships. Resolving conflict, building consensus, and influencing good outcomes

• Strong problem-solving skills – demonstrated by an ability to identify, analyse and solve complex issues efficiently and effectively. You’ll be capable of applying logical thinking and innovative approaches to overcome challenges and deliver practical solutions

• Excellent communication skills – proficient in conveying complex ideas clearly and concisely, both in written and verbal formats. Able to tailor communication style to diverse audiences, ensuring clarity and understanding

• Good knowledge and experience of implementing of agile frameworks, scrum or kanban

• Excellent working knowledge and understanding of Atlassian suite, (Jira/Jira Align/Confluence)

• Strong working knowledge of Platform Change Framework and experience implementing its principles and practices

• Planning, Tracking, Reporting & Governance - Communicate regular updates to key stakeholders while resolving high priority issues affecting delivery, by making work visible in Jira. Using experience to address critical risks/issues/dependencies, taking responsibility for critical issues while ensuring resolution within agreed timescales

• And you'll influence positively - demonstrating the right values and behaviours and encouraging this in team members

• The skills and confidence to build effective and high trust relationships quickly and broadly across the wider organisation

About working for us

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

We also offer a wide-ranging benefits package, which includes

• 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, and option to purchase 5 more days

• 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.

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