Senior Product Owner - Digital Payments & KYC

lloyds banking group; Bristol; Hybrid; GBP 86,000 - 103,000; Full time

Job description

End Date

Sunday 20 April 2025

Salary Range

£86,964 - £102,310

Flexible Working Options

Hybrid Working

Job Description Summary

JOB TITLE: Senior Product Owner – Digital Payments & KYC

LOCATION(S): London or Bristol

HOURS: Full-time

WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time at an office hub.

About this opportunity

Consumer Servicing & Engagement (CS&E) Platform delivers brilliant digital servicing propositions for personal customers on the device of their choosing, giving the best digital customer experience.

We build deeper and more trusted relationships with our customers and support them to improve their financial lives by offering valuable, engaging and human-like digital banking experiences. We grow customer satisfaction and trust through simple, helpful and personalised experiences that they love. We provide, and guide customers to complete and easy-to-use self-serve offerings where they can do (almost) everything they want within digital. We deepen valued customer relationships, helping them build financial resilience, by understanding what they need and when.

We're looking for a Senior Product Owner to join our Digital Payments Lab, where you'll lead teams and innovate to go faster, inspire others to collaborate and demonstrate a growth mindset.

The Payments Lab is a fast-paced and forward-thinking Lab where teams are empowered to think big, test and learn and drive outstanding changes for our customers and the Bank. We're responsible for delivering outstanding customer experiences for the Group’s 20+ million digital customers, creating top-class digital journeys.

This role is an opportunity to collaborate with Engineering and Design to deliver high-profile customer-facing change and be at the forefront of key transformations which the Group is delivering including allowing customers to co-service across brands and migrating our brands to new and innovative architecture.

You'll be responsible for the release of incremental value by improving payments and customer details management / Ongoing KYC for customer and colleague facing digital journeys. This is achieved by fostering collaborative, empowered product and engineering teams, nurturing them to take ownership of the relevant outcomes. As well as stimulating innovation and mitigating risk by conducting data- and research-driven feature shaping.

Responsibilities for the role:

• Lead multiple feature teams across payments and/or customer details products to deliver changes to our digital customer and colleague journeys.
• Creating great customer outcomes through deep understanding of customers’ needs.
• Delivering change from idea to implementation delivering to agreed scope, cost, quality and timescales.
• Owning, building and prioritising a backlog of changes to our products, leading a team to deliver at pace.
• Building strong relationships across areas of the Bank and partner teams and deliver through collaboration.
• Strong understanding of risks and control processes, mitigating BAU and change risks.
• Oversee the budget for the feature team including inbound and outbound funding.

Skills we’re looking for:

• Accountability for the vision for multiple complex products balancing the needs of customers, partners and risk.
• Experience in creating and driving inspired product roadmaps based on understanding our customers’ needs, personas, value propositions and customer landscapes.
• Influencing skills across all levels of the organisation using data and insights to deliver maximum value for the customer and business.
• Experience in applying agile methodologies to optimise innovation development and delivery e.g. Scrum, Kanban, Jira & Confluence, and experience of leading an agile team.
• Financial planning and cost control - a track record of delivering within multi-million pound budget and using resources effectively.
• Strong dependency and risk management experience.

About You

• An experienced product leader with a track record of managing multiple teams.
• Excellent understanding of payments and/or customer details management – both currently and the future trends in the industry.
• Good technical understanding to support communication between business leaders and engineering teams.
• You're an exceptional teammate and constantly looking ways to drive improvements in how the team works together.
• You can demonstrate exceptional problem-solving skills, be able to think critically and breakdown complexity into logical structure, whilst understanding the strategic big picture.
• You have a well-developed communication kit bag with extensive experience presenting and engaging with senior leaders.
• You can confidently deliver best in class customer experiences.

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 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.

If you’re excited by the thought of becoming part of our team, we’d 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 we’re building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.