At a Glance
- Tasks: Lead the future of payments by shaping agentic payment strategies and standards.
- Company: Join Lloyds Banking Group, the UK's largest bank, driving innovation in finance.
- Benefits: Enjoy a competitive salary, flexible working, generous holiday, and a strong pension plan.
- Other info: Be part of an inclusive culture that celebrates diversity and empowers innovation.
- Why this job: Make a real impact on the future of payments while growing your career.
- Qualifications: Deep expertise in core payments and a grasp of emerging payment frameworks.
The predicted salary is between 92701 - 109060 £ per year.
End Date: Wednesday 24 June 2026
Salary Range: £92,701 - £109,060
We support flexible working – click here for more information on flexible working options.
Flexible Working Options: Hybrid Working, Job Share
Agentic payments are moving from theory to reality: AI agents are increasingly able to initiate and complete transactions on behalf of customers—so long as consent, authentication, tokenised credentials, disputes, and fraud controls are designed for agent-led journeys. In this role you’ll define how Lloyds Banking Group responds across core payments, shaping our standards and rails readiness and building the investable roadmap that keeps us secure, interoperable, and commercially relevant as the ecosystem evolves.
This is a pivotal role to help Lloyds Banking Group understand and shape the future of agentic payments—payments initiated, configured, or completed by software agents acting on behalf of a consumer or business under defined permissions, policies, and limits.
The role will build LBG’s point of view and action plan for how agent-led interactions will impact core payments (UK domestic and international payment rails, authentication, consent, dispute, fraud, and interoperability), while recognising the adjacent influence of “agentic commerce” without making it the primary focus.
You will operate as a forward-looking “bridge” between payments rails + standards + technology and commercial outcomes, driving structured business development work: scanning the market, shaping LBG’s position, defining priority capability gaps, and building investable pathways.
What you’ll lead:
- Strategy & Market Shaping (Core Payments lens): Define LBG’s perspective on how agent-mediated interactions and the “agent economy” change payment initiation, authorisation, and servicing for core payments across UK domestic and international rails. Develop an actionable view of where LBG should lead, follow, partner, or standardise.
- Standards, Rails & Technology (the “payments trust layer”): Translate external standards/rails activity into concrete implications for LBG’s core payment stack. Track and interpret emerging industry trust frameworks that enable agent-initiated transactions.
- Business Development & Strategic Investment: Run structured Business Development assessments to influence funding decisions. Identify a small set of near-term “no-regret” moves that improve LBG readiness.
- Cross-Group alignment & enablement: Act as the “connector” across Payments, Technology and propositions. Create crisp materials for board-level discussions.
- External ecosystem engagement & influence: Build relationships with schemes, networks, standards bodies, and relevant partners to ensure LBG stays interoperable as agentic payment models become embedded.
- Roadmap & Delivery Oversight: Own a multi-year “Agentic Payments (Core)” roadmap that identifies capability gaps, prioritised workstreams, and decision points.
Why Lloyds Banking Group: If you think all banks are the same, you’d be wrong. We’re an innovative, fast-changing business that’s shaping finance as a force for good. A bank that’s empowering its people to innovate, explore possibilities and grow with purpose.
What you’ll need:
- Deep expertise in core payments including the payments value chain.
- Strong grasp of the “agentic” shift: delegated authority models, consent and customer control.
- Ability to interpret and apply emerging industry frameworks enabling agent-initiated payments.
- Commercial/strategic toolkit: hypothesis-led analysis, business case development, stakeholder influence.
- Proven delivery experience – turning strategy and ideas into practice.
- Sufficient technical understanding to lead feature teams, experimentation and Proof of Concepts.
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 also offer a wide-ranging benefits package, which includes a generous pension contribution, an annual performance-related bonus, share schemes, benefits you can adapt to your lifestyle, 30 days’ holiday, and a range of wellbeing initiatives.
Ready for a career where you can have a positive impact as you learn, grow and thrive? Apply today and find out more.
Agentic Payments Lead – Core Payments & Trust Layer employer: Lloyds Bank plc
Lloyds Banking Group is an exceptional employer, offering a dynamic and inclusive work culture that empowers employees to innovate and grow. With a strong commitment to diversity and a comprehensive benefits package, including generous pension contributions and flexible working options, employees are supported in achieving a healthy work-life balance while contributing to meaningful projects that shape the future of finance. Located in major UK cities, this role provides unique opportunities for professional development and engagement with cutting-edge payment technologies.
StudySmarter Expert Advice🤫
We think this is how you could land Agentic Payments Lead – Core Payments & Trust Layer
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
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Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
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Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
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Don’t shy away from reaching out directly to firms like Lloyds Bank plc. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Agentic Payments Lead – Core Payments & Trust Layer
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Lloyds Bank plc.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Lloyds Bank plc's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Lloyds Bank plc
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Lloyds Bank plc.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Lloyds Bank plc will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Lloyds Bank plc employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
