Job Description
End Date
Monday 13 July 2026Salary Range
£40,824 - £45,360We support flexible working – click here for more information on flexible working options
Flexible Working Options
Hybrid Working, Job ShareJob Description Summary
Do you have the skills, innovation and creativity to work within a data-led product team which develops propositions and products to meet our customers’ needs better and drive cards P&L growth? If so, we’d love to hear from you!We are the Cards Product Development and Partnerships team which is the shaping the future of credit cards - building innovative products, launching partnerships like co-brand cards, and working closely with global networks like Visa and Mastercard. We own new propositions and partnerships from idea to launch, balancing commercial performance with great customer outcomes.
Reporting to the Analytics Manager, this role focuses on delivering insight and analytics, to help the Credit Card product function understand customer needs, behaviours, product performance and deliver against financial plans, whilst playing a pivotal role in our innovation agenda. Working closely with the credit cards commercial team and platforms as well as across key functional teams including Affordability, Customer Propositions, Everyday Banking, Customer Insights and Credit Risk, you'll play a pivotal role in our innovation agenda.
Job Description
JOB TITLE: Product Analyst - Credit Cards
LOCATION(S): Chester, Manchester or Cardiff
HOURS: Full time
WORKING PATTERN: Hybrid, 40% (or two days per week) in one of our office sites mentioned above
About this opportunity
Do you want to shape the future of credit cards through data and insight? We’re looking for a Product Analyst to join our Credit Cards Product Development and Partnerships team, where you’ll help design innovative products, launch co-branded partnerships and improve experiences for millions of customers. This is a unique opportunity to combine data, product thinking and commercial insight in a role that directly influences customer outcomes and business growth.
Operating in a fast-paced, data-led environment, you’ll work across the full product lifecycle—from concept through to launch—helping to bring new propositions to life. You’ll play a key role in understanding customer behaviour, identifying opportunities for growth and ensuring that our products deliver the right balance of value for customers and strong commercial performance.
Working closely with colleagues across product, commercial, credit risk and customer insight teams, you’ll be at the centre of collaboration and innovation. It’s a role with real visibility, where your insights will directly shape decision-making and support our ambition to evolve and grow our credit cards business.
Essential requirements
Strong numerical and analytical skills, with experience interpreting complex datasets
2+ years hands-on experience with SQL and/or SAS in a commercial environment
Experience using tools such as Excel, PowerPoint and data visualisation platforms (e.g. Power BI, Tableau, Looker)
Proven ability to turn data into clear insights and communicate recommendations to stakeholders
Experience influencing decisions and building consensus through strong communication skills
Desirable skills/experience
Experience working with credit cards, consumer lending or financial services products
Exposure to partnerships, co-branded or affinity propositions
Experience using AI tools such as Copilot or working within data-led product teams
We know that great talent comes from many backgrounds. Whilst this job advert may reference specific years of experience, we recognise that skills are developed in many ways, so if you have relevant, transferable experience, we encourage you to apply.
This is a place for you
Our ambition is to be the leading UK business for diversity, equity and inclusion supporting our customers, colleagues and communities, and we’re committed to creating an environment in which everyone can thrive, learn and develop. We provide reasonable adjustments throughout the recruitment process to reduce or remove barriers. Just let us know what you need.
We offer a wide‑ranging benefits package, including:
A generous pension contribution of up to 15%
An annual performance‑related bonus
Share schemes including free shares
Benefits you can tailor to your lifestyle, such as discounted shopping
28 days’ holiday, plus bank holidays
A range of wellbeing initiatives and generous parental leave policies
Ready for a career where you can have a positive impact as you learn, grow and thrive? Apply today and find out more!
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.
We're changing financial services, and we want you to join us.
We're the UK's largest financial services group, with our 25 million customers and a history stretching back more than 300 years.
We pride ourselves on creating a great environment for colleagues to work in, one which is inclusive and driven by our values. This is critical to our business success as we know that colleagues who can show up to work as themselves are those that bring their best.
We're an inclusive and open organisation with a scale that creates a vast range of roles and opportunities. We offer a plenty of options for continual personal growth and you'll be part of a culture which embraces diversity of talent, creativity, skills and thinking among our teams.
Workplace Initiatives
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Opportunities for people returning from a career break |
Yes our Returner opportunities offer a career path to candidates with a 18 month year break in their career’ with ‘Yes, our Returner opportunities are aimed at candidates who have had a 18 month or more career break |
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Leadership development programmes? |
Yes |
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Mentoring programmes? |
Yes |
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Coaching programmes? |
Yes |
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Employee-led diversity networks? |
Yes |
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Internal women’s networking groups? |
Yes |
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Open to discussing flexible work arrangements at interview stage? |
Yes |
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No. of weeks paid maternity leave at full salary: |
20 weeks based on full pay + 19 weeks at the current statutory maternity pay rate |
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Minimum weeks tenure required to be eligible for paid maternity leave: |
No qualifying service period |
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No. of weeks paid paternity leave at full salary: |
6 weeks |
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Minimum tenure required to be eligible for paid paternity leave: |
No qualifying service period |
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Gender pay gap reporting information (insert year) (UK): 2022 |
|
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Average pay gap: |
30.5% |
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Median pay gap: |
33.6% |
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Average bonus gap: |
62.5% |
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Median bonus gap: |
69.5% |
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Signatory of the UK Women in Finance Charter? |
Yes |
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Targets to raise the number of women in leadership? |
Yes |
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Targets to raise the number of BAME individuals in leadership? |
Yes |
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Listed in the Bloomberg Diversity & Inclusion Index? |
Yes |
Flexible Working Policy
We take pride in being a leader in flexibility and offer a wide array of flexible working options for different circumstances. How you work and the options available will depend on the role you're in, but we aim to offer the flexibility needed by everyone.
For many of our office-based roles, we work in hybrid ways, which involves spending at least two days per week or 40% of their time at one of our office sites. Dependent on your role, other flexible options may be available, such as part-time or compressed hours, complete home-working or job share. ‘Find out how flexible working can work for you’.
Flexible Working Policy
We take pride in being a leader in flexibility and offer a wide array of flexible working options for different circumstances. How you work and the options available will depend on the role you're in, but we aim to offer the flexibility needed by everyone.
For many of our office-based roles, we work in hybrid ways, which involves spending at least two days per week or 40% of their time at one of our office sites. Dependent on your role, other flexible options may be available, such as part-time or compressed hours, complete home-working or job share. ‘Find out how flexible working can work for you’.
Returner opportunities
Returning to work after time away can be challenging. That’s why we offer Returner opportunities that are designed to assist people returning to work after a career break of 18 months or more and our roles are permanent from the day one. Whether you’ve been away from work due to parenthood, illness, or even travel, we’re looking forward to hearing from you as we continue to grow!
What can you expect?
Coming back into the world of work after a career break can be really daunting – and we therefore know how important flexibility is. We’re very aware that ‘normal’ office hours aren’t always doable, so will happily have the discussion about different working patterns with you.
These roles have been created with your career break in mind, making sure we are there to support you in your transition back to work. You will be brought in on a permanent contract and given meaningful work from day one. Plus, you’ll be paired with a buddy or mentor from your team to help guide you along the way. You’ll also benefit from being part of the wider Returners Community and have the chance to create a personal development plan that works for you.
Who are we looking for?
While banking or professional services experience is desirable, especially for some roles, we care more about the transferable skills you can bring to our business.
Testimonials
I had a good network of colleagues already working for Lloyds Banking Group, who were all very passionate about their roles - so it felt the right choice for me and gave me the courage to apply for a Business Analyst role through the Returners. It was a seamless recruitment experience and I was offered a role in the work I wanted to do.
Olufunke Oladinni, Business Analyst
I love being a Project Manager, and I can’t recommend the Lloyds Banking Group Returners enough. It’ll springboard your career, giving you the best opportunity to relaunch yourself and maximise your full potential.
Justin Pierce, Project Manager