Credit Officer, Financial Institutions
Lloyds Banking Group
Director, Asset Finance Product
Lloyds Banking Group
full-time
Posted on:
Location Type: Hybrid
Location: Birmingham • 🇬🇧 United Kingdom
Visit company websiteJob Level
Lead
About the role
- Owns the pricing and product development strategy across Asset Finance
- Work collaboratively across the end to end client journey to identify problems and opportunities to improve product offering and proposition to deliver better outcomes and improved commercial performance
- Drive the product growth strategy, identifying and prioritising opportunities and leading through to delivery to improve our lending proposition to clients.
- Responsibility for the functionality of the ePricer tool and the inputs into this pricing model.
- Liaison with partners across Portfolio Analytics, Credit Models and Treasury to ensure efficient model performance.
- Oversight of monthly update to tool inputs, and also wider tool development in conjunction with Commercial Lending Platform
- Using data to provide market and/or sector insights, developing new or amending existing pricing strategies or initiatives. This gives a real opportunity to learn about specific sectors (or use your own insights and experience) using to devise price led initiatives for our clients
- Opportunity to get involved in ad-hoc projects related to AF and our continued desire to ensure the customer is at the heart of all we do.
- Writing presentations for a variety of target populations, tailoring the tone and content to match the needs and expectations of each audience – often giving exposure to senior team members, presenting at forums chaired by Managing Directors.
- Act as subject matter authority across fields and capabilities (e.g. pricing, proposition and strategy)
- Chair business and pricing forums including decision making on pricing exceptions
- Lead and mentor a team of product managers
Requirements
- Awareness and understanding of Asset Finance/Lending products and markets
- Strong commercial knowledge
- Technical pricing experience & capability
- Product strategy
- Collaboration: Strong internal and external partner management and influencing skills will be required.
- Effective communicator: the ability to communicate clearly with multiple levels throughout the organisation.
- Analytical thinking: assist in formulating and moulding the product's goals and initiatives.
- Innovation: A curiosity about thinking in an unexpected way and developing creative solutions to sophisticated challenges.
- Eye for Detail: ability to understand sophisticated information and distil into manageable business stories.
- Team Leadership: Build and maintain a successful team, developing colleagues through stretching performance objectives, feedback and personal development.
- Risk: A good risk manager, ensuring activities are delivered through a robust control framework with effective monitoring.
Benefits
- 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
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard skills
pricing strategyproduct developmentdata analysisportfolio analyticscredit modelsePricer toolcommercial lendingpricing modelmarket insightsrisk management
Soft skills
collaborationeffective communicationanalytical thinkinginnovationattention to detailteam leadershipinfluencing skillsmentoringpresentation skillsproblem-solving
