Head of Core Trade Product Management

The Trade and Working Capital team provides commercial banking solutions to businesses of all sizes, in the UK and internationally, including trade, invoice finance and asset finance solutions. These solutions are grounded in an in-depth understanding of clients, a passion for enabling businesses to efficiently handle their liquidity, complete payments, mitigate their risks, fund trade flows and support growth. As Head of Core Trade Products, you'll lead the Traditional Trade product team, responsible for designing and implementing our go to market strategy across our suite of Traditional Trade Products which includes Documentary Trade and Guarantees - both have been identified as significant growth opportunities for the Group. The solutions within this suite are well known while simultaneously facing rapid transformation and exciting digital transformation. The future of these products and Lloyds' success in delivering these much-needed solutions to clients is reliant upon technological advancement, industry leadership and commercialisation. We're looking for an individual who is highly experienced in core Trade products to lead a function of product specialists within the business, accountable for a team that structures, underwrites and manages core Trade products, while also ensuring alignment to core regulatory requirements and compliance policies and delivering great customer outcomes. Role Accountabilities Working closely with team members to support clients to access our products in a simple more stream-lined manner. Other accountabilities will include:

• Oversight of product governance and control frameworks
• Management of product risks including operational risk, credit risk, fraud and financial crime risk
• Overarching ownership of product strategy definition and execution
• Roadmap for existing products, including innovation, simplification, distribution and cost-optimisation
• Responsible for the revenues and cost budgets of the product suite
• Compliance with credit and risk policies
• Regular engagement and training with core partners, whilst working with external Trade bodies to ensure that LBG is well represented within the industry and the wider Trade community
  
  Deep understanding of core Trade products, including expertise in structuring, underwriting, and managing of facilities
• Product Development experience including creating and enhancing core Trade products and working with internal and external partners on emerging innovations
• Proven track record in Financial Analysis and Risk Management
• Experience in leading product teams and driving thought leadership in the industry
• Understanding and experience of the product set - and insight into the broader trends and changes impacting clients across the wider industry
• Extensive stakeholder management experience, preferably in a large banking and financial services institution
• Knowledge and understanding of the Group, clients and insight into the broader market trends and changes impacting our clients and the wider industry
• Strong communicator with ability to distil complex themes into simple but highly effective messages
• Experience in line managing a team of great colleagues, plus a diverse internal and external network
• Work collaboratively, successfully and influence networks at all levels across the organisation
  
  We're on an exciting journey and there couldn't be a better time to join us. The investments we're making in our people, data, and technology are leading to
innovative projects, fresh possibilities, and countless new ways for our people to work, 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.

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're committed to creating a consciously inclusive workplace where our colleagues can be themselves, thrive and perform at their best. 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. As an inclusive employer, we offer Workplace Adjustments for colleagues with a disability (which may include long-term health and neurodivergent conditions) where it is reasonable to do so. This could include flexibility with regards to office attendance, location, and working pattern. We're proud to be a Disability Confident Leader. If you have a disability, you can also apply via our Disability Confident Scheme (DCS). Through the DCS, we guarantee to interview a fair and proportionate number of applicants with a disability, whose application meets the minimum criteria for the advertised job role. We also provide adjustments that are reasonable throughout the recruitment process to reduce or remove barriers for applicants with a disability, long-term health condition or neurodivergent condition. If you'd like an adjustment to the recruitment process 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
• A range of wellbeing initiatives and generous parental leave policies
This is a once in a career opportunity to help shape your future as well as ours. If you have Flair for technology, digitisation and innovation, get in touch!