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The information below covers the role requirements, expected candidate experience, and accompanying qualifications. Monday 14 July 2025 Salary Range 0 - 0 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: Head of Payments & Cash Management (PCM) Product LOCATION: London HOURS: Full time WORKING PATTERN: Hybrid working, min. 40% (or two days) in an office site About this opportunity The PCM team provides corporate and institutional banking solutions to businesses of all sizes, in the UK and internationally, across Payments (including Merchant Services), Liquidity, Traded Products (FX) and Data. 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. Were looking for an individual who is highly experienced in Cash and Payment Products, to lead a function of product specialists within the business, while also ensuring alignment to core regulatory requirements and compliance policies and delivering great customer outcomes. Youll work with a high energy team of product specialists, as well as key partners in other areas of the bank, to unlock growth whilst championing an environment of diversity and customer centric innovation, promoting new ways of working to deliver our broader purpose Helping Britain Prosper. Role Accountabilities The Head of PCM will lead the product team and be responsible for designing and implementing our go to market strategy across our suite of products, with a significant growth opportunity 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. As Head of PCM, youll work closely with team members to support BCB and CIB clients to access our products in a simple more stream-lined manner. Other accountabilities will include: Develop product strategy for corporate and institutional clients Implement strategy in collaboration with sales, coverage, group treasury, technology, operations, and other partners to foster business performance growth. Drive new product development across all CIB client segments Manage revenue, control costs, and optimise pricing performance. Set future strategy, considering industry trends, economic intelligence, customer behaviour, emerging technology, and regulatory requirements. Prioritise and deliver future investment needs, owning and delivering an investment portfolio alongside technology teams. Promote the banks profile externally through active industry engagement, thought leadership, media, and exhibiting. Lead all aspects of control and risk environment, driving the risk, legal, compliance, and audit agenda. Build and nurture a successful team that understands and embodies the Lloyds Banking Groups Values and Behaviours and Strategy. Foster a culture of talent growth and succession planning within the business. About us Were on an exciting journey and there couldnt be a better time to join us. The investments were making in our people, data, and technology are leading to innovative projects, fresh possibilities, and countless new ways for our people to work, learn, and thrive. What youll need Deep understanding of payments, liquidity and receivables and insight into the broader trends and changes impacting clients across the wider industry Proven track record of leadership, recognised at industry and market level, leading product teams and driving thought leadership in the industry. Extensive experience in product management for given product set Product Development experience, including working with internal and external partners on emerging innovations Proven track record in Financial Analysis and Risk Management Awareness of market trends, and the opportunities and threats that these present to customers and the bank, and the amendments required to the Groups risk management framework 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 Work collaboratively, successfully and influence networks at all levels across the organisation Experience in creation, implementation and management of strategic plans Flair for technology, digitisation and innovation is desirable 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 were 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 X days holiday, with bank holidays on top A range of wellbeing initiatives and generous parental leave policies If youre excited by the thought of becoming part of our team, get in touch. Wed 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 were building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.

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