Associate Director, BCB Term Lending Pricing

Job Description

End Date Tuesday 08 September 2026

Salary Range £78,372 - £87,080

Flexible Working Options Flexibility in when hours are worked, Hybrid Working, Job Share, Reduced Hours

Job title: Associate Director, BCB Term Lending Pricing

Location: Edinburgh, Glasgow, Birmingham or Bristol

Salary: £ 78,372 - £87,080 depending on location, skills & experience

Hours: Full time (35 hours per week)

Working Pattern: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at one of our office sites.

About this opportunity

At BCB Term Lending, we're helping UK businesses grow, invest and create jobs through sustainable, responsible finance. As an Associate Director within our Pricing team, you'll support the pricing of commercial term lending facilities of up to £500m, helping to deliver the right outcomes for clients whilst achieving sustainable returns for the Group. You'll combine market insight, pricing expertise and commercial analysis to shape pricing strategy, influence senior leaders and support key lending decisions across the business.

What you'll be doing

• Support the pricing of commercial term lending facilities ranging from £25k to £500m, balancing customer outcomes, risk considerations and sustainable financial returns.
• Analyse market trends, competitor activity and business performance to identify opportunities for growth and competitive advantage.
• Develop pricing strategies and recommendations that support business objectives and influence lending decisions.
• Produce weekly and monthly reporting, management information and performance analysis to provide meaningful commercial insight.
• Develop and enhance Power BI dashboards and reporting tools that support data-driven decision making.
• Partner with Relationship Managers and senior leaders across Product, Risk, Finance and Coverage teams to support strategic transactions and key business initiatives.
• Translate complex financial and performance data into clear recommendations, business cases and strategic proposals for senior leaders.
• Ensure robust governance, controls and continuous improvement are embedded throughout the pricing framework and lending journey.

Why Lloyds Banking Group?

At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper.

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.

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.

What you'll need

Excellent numerical and analytical skills, with advanced Excel capabilities and experience using Power BI to generate insight and support decision making.

Strong commercial judgement, with the ability to balance customer outcomes, growth opportunities and sustainable financial returns.

Excellent partner management and influencing skills, with the ability to translate complex data into clear recommendations for senior audiences.

It would be useful if you had…

• Experience within Business & Commercial Banking, Corporate Banking or commercial lending.
• Proven pricing experience within banking, lending, financial services or a comparable commercial environment.
• A professional accountancy qualification (ACA, ACCA, CIMA or equivalent) and strong financial competence.
• Knowledge of lending products, pricing governance and risk management frameworks.
• Experience using Group Data Warehouse (GDW) or similar enterprise data platforms.

About working for us

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.

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.

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.

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