Head of Business Banking Propositions

If you’re motivated by designing propositions that genuinely meet client needs and deliver measurable results, this role puts you at the centre of it. You’ll lead how we identify unmet needs, build differentiated offers and bring them to market at scale, working across teams to deliver better outcomes for clients and stronger performance for the business.

This is a senior leadership role shaping how we design and deliver Business Banking propositions for our target segments. You'll own the development of segment-led propositions, turning client needs into clear, differentiated proposition offers. You’ll define proposition features, servicing models, channels and influence pricing to grow engagement, retention and lifetime value. You'll also own value adding services and partnerships, including data-driven services, embedded accounting and rewards. Working closely with Product and Platform teams, you’ll drive Agile, AI-enabled delivery of scalable solutions that improve client outcomes and commercial performance.

What you’ll be doing:

• Define and deliver the Business Banking proposition strategy, aligned to target segments and commercial priorities
• Lead discovery of client and segment unmet needs and turning them into clear proposition opportunities
• Design and evolve tiered propositions for priority sub-segments, including features, benefits, service levels and pricing
• Own partner-led services and propositions, encompassing analytics-based offerings, coordinated accounting, and incentive programs
• Define servicing strategy and channel design, aligning propositions to the priority sub-segments, channels and service models
• Partner with Product and Platform teams to deliver proposition roadmaps, using Agile delivery and clear prioritisation
• Develop and prioritise proposition for investment, based on client demand, commercial value and delivery feasibility
• Set the commercial plan for proposition performance. Track performance to plan and improve outcomes, including adoption, engagement, revenue and retention

Why join us?

We’re on an exciting journey to transform our Group and the way we’re shaping finance for good. We’re focusing on the future, investing in our technologies, workplaces, and colleagues to make our Group a great place for everyone.

What we’re looking for:

• Modern product and proposition leadership — experience defining and delivering financial services products and propositions preferably in the context of business/SME banking
• Client needs led approach — ability to utilise data, research and insight along with confirmed experience to understand unmet client needs, develop proposition strategy and identify growth opportunities
• Commercial and performance focus — experience driving growth, profitability, retention and lifetime value
• Bringing value through partnerships — experience developing partner ecosystem led propositions and value creation
• Enterprise stakeholder influence — ability to lead, communicate effectively and influence cross functional teams across Product, Technology, Operations, Marketing, Data and Risk. Ability to communicate key points succinctly and effectively with senior stakeholders to influence important decisions
• Delivery and governance — experience working in Agile and Iterative environments, building proposition for investment and delivering value within strong risk and control frameworks, with awareness of AI and emerging technologies
• Proven ability to build, lead and develop high-performing teams. Drives a strong performance culture focused on customer outcomes, sustainable growth, effective risk management, and inclusive talent development
• Actively promotes diversity and inclusion, while developing and progressing talent

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 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. We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. And, as a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long-term health or neurodivergent condition through the Disability Confident Scheme. We provide reasonable adjustments throughout the recruitment process to reduce or remove barriers. Just let us know what you need.

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

Ready for a career where you’ll learn 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.