Job Description Summary
End Date Thursday 15 October 2026 Salary Range £85,493 - £100,580 We support flexible working – Flexible Working Options Hybrid Working, Job Share
Job Description Job Title: Head of Protection Intermediary Distribution. Location: Remote with travel across the UK. Hours: Full-time. This opportunity goes beyond a typical senior sales role. It involves heading a major growth channel for Scottish Widows, expanding our presence in the protection market, and assisting more clients in securing their financial future. Lloyds Banking Group serves 26 million customers, yet fewer than 10% own an Insurance, Pension or Investment product with us. Across the UK, half of mortgage holders lack life cover and 9 in 10 people remain without critical illness cover. The potential to drive meaningful change is substantial. Reporting to the Protection Director, you'll be setting the direction for intermediary distribution and translating ambition into a clear commercial strategy. Leadership will be demonstrated by guiding the team and partners toward common goals.
Responsibilities
Your mandate Own and deliver the intermediary distribution strategy, with clear accountability for profitable growth, quality, persistency and market share. Shape the agenda, not simply complete it. Identify where we should compete, where we should invest and which opportunities will create the greatest customer and commercial value. Build and lead strategic relationships with the UK’s major protection intermediary businesses, securing stronger partnerships and panel positions where appropriate. Develop new distribution frameworks and market routes, collaborating closely with Halifax Intermediaries and other areas within Lloyds Banking Group. Use insight and management information to spot opportunities, make confident trade-offs and intervene early where performance is off track. Lead service recovery and complex partner issues, protecting customer outcomes, relationships and our commercial interests. Influence proposition, pricing, service and technology priorities by bringing a clear market and adviser perspective into Scottish Widows. Create a high-performing, commercially curious team that understands the strategy, owns outcomes and has the confidence to act.
How we expect you to lead
Create clarity - Concentrate on what is most important. Set priorities, make decisions, and clarify expectations, then communicate them clearly and promptly. Bring drive and passion - Be visible, ambitious and energising. Push boundaries responsibly and bring momentum to the work that matters! Build trust - Encourage others, celebrate accomplishments and build a space where people are comfortable to express ideas, explore, learn and grow. Function as a cohesive unit - Put collective success ahead of individual agendas. Collaborate generously and solve problems across boundaries. Own outcomes - Take accountability from strategy through to delivery. Make decisions, remove blockers and surface risks early. Challenge with respect - Be direct, curious and constructive. Challenge assumptions and established ways of working while maintaining positive intent.
What you’ll need
Deep knowledge of the UK protection intermediary market, including the relevant regulatory, technical and legislative environment. A strong track record of delivering growth and translating strategy into measurable outcomes. Recognised reputation and solid market presence, highlighting excellent senior relationship leadership and an ability to influence with impact. Experience of leading, developing and empowering a team to deliver stretching commercial and customer outcomes. Strategic judgement, with the capacity to recognise opportunities, focus investment, and make definite choices. Strong commercial and analytical skills, applying insight and data to inform decisions and oversee performance. The confidence and tenacity to challenge the status quo, resolve complex issues and remove blockers to growth. An articulate, authentic and engaging leadership style that brings energy, ambition and personality.
It would be useful if you also bring
Knowledge of Scottish Widows’ primary competitors and current developments in the Protection market. Understanding of the mortgage and wealth markets and how they can support our wider growth ambitions.
Why Lloyds Banking Group?
Like the modern Britain we serve, we’re evolving. Investing billions in our people, data and tech to transform the way we meet the ever-changing needs of our 26 million customers. We’re growing with purpose. Join us on our journey and you will too!
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.
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. With 320 years under our belt, we’re used to change, and today is no different. Join us and help drive this change, shaping the future of finance whilst working at pace to deliver for our customers. Here, you'll do the best work of your career. Your impact will be amplified by our scale as you learn and develop, gaining skills for the future.
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Head of Protection Intermediary Distribution. employer: Lloyds Bank plc
Lloyds Banking Group is an exceptional employer, offering a dynamic work environment in Cardiff that fosters professional growth and collaboration. With a competitive salary package, generous benefits including a robust pension scheme and flexible working options, employees are empowered to thrive both personally and professionally. The company prioritises inclusivity and well-being, ensuring that all team members can achieve their full potential while making a meaningful impact in the SME banking sector.
