At a Glance
- Tasks: Shape data usage to transform lending decisions and improve customer outcomes.
- Company: Join a leading bank with a focus on innovation and customer-centric solutions.
- Benefits: Generous pension, performance bonuses, tailored benefits, and 30 days holiday.
- Other info: Flexible working options and a commitment to diverse talent.
- Why this job: Make a real impact by leveraging data to optimise lending and decision-making.
- Qualifications: 8+ years in Product Ownership or Management, especially in data environments.
The predicted salary is between 116535 - 137100 £ per year.
Location: Chester, Manchester, Bristol
Hours: Full-time
Working Pattern: Hybrid – at least two days per week (40% of time) at one of the office sites above.
Contact: Gill Hamilton (GillianHamilton@bankofscotland.com)
What you’ll be doing:
This is an opportunity to shape how we use data to transform lending decisions and deliver better outcomes for millions of customers. As a Lab Product Owner within Customer Affordability & Data and the Consumer Data Lab, you’ll own and evolve a portfolio of data platform products, enabling teams across Consumer Lending to access, leverage and derive value from trusted data at scale. You’ll sit at the centre of a function that combines commercial expertise with advanced data and analytics to personalise lending, improve access to credit and support smarter decision‑making. You’ll work closely with senior stakeholders, engineers and data specialists to translate strategic priorities into tangible product outcomes. A key focus will be ensuring data is not only well‑governed and accessible, but actively leveraged to optimise decisions, improve performance and unlock measurable business value. Operating with a strong platform product mindset, you’ll design scalable, reusable data capabilities that can be consumed across multiple teams and use cases. You’ll lead the end‑to‑end lifecycle of these products – from discovery through to build, deployment and continuous improvement – helping embed a truly data‑driven culture across the business.
Essential Skills:
- 8+ years proven experience in Product Ownership or Product Management within data or platform‑led environments
- Strong experience building and scaling data platform products, with a focus on reusability, accessibility and cross‑team consumption
- Demonstrated experience leveraging data to drive business value, including improving decisioning, optimisation or commercial outcomes
- Strong understanding of data management principles (data quality, lineage, governance), balanced with a focus on usability and adoption
- Experience defining product vision, prioritising complex backlogs and delivering outcomes in agile environments
- Strong stakeholder leadership skills, including influencing senior stakeholders and translating strategy into high‑impact delivery
Desirable Skills:
- Experience in Consumer Lending, affordability or credit risk environments
- Experience in data value realisation, optimisation or data‑led product strategy
- People leadership experience, including developing high‑performing product teams
- Exposure to large‑scale data platforms and cloud environments (e.g. Google Cloud Platform)
Benefits:
- Generous pension contribution of up to 15%
- Annual performance‑related bonus
- Share schemes including free shares
- Benefits you can tailor to your lifestyle, such as discounted shopping
- 30 days’ holiday, plus bank holidays
- A range of wellbeing initiatives and generous parental leave policies
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.
We provide reasonable adjustments throughout the recruitment process to reduce or remove barriers. Just let us know what you need.
Lab Product Owner - Customer Affordability & Data, Consumer Data Lab employer: Lloyds Bank plc
At Bank of Scotland, we pride ourselves on being an exceptional employer, offering a dynamic work environment that fosters innovation and collaboration. With a strong commitment to employee growth, we provide extensive training opportunities and a generous benefits package, including a substantial pension contribution and flexible working arrangements. Our culture promotes inclusivity and well-being, making it an ideal place for talented individuals to thrive while shaping the future of consumer lending through data-driven insights.
StudySmarter Expert Advice🤫
We think this is how you could land Lab Product Owner - Customer Affordability & Data, Consumer Data Lab
✨Tip Number 1
Network like a pro! Reach out to people in your industry on LinkedIn or at events. A friendly chat can lead to opportunities you might not find on job boards.
✨Tip Number 2
Prepare for interviews by researching the company and its culture. Tailor your answers to show how your experience aligns with their goals, especially around data and product ownership.
✨Tip Number 3
Practice makes perfect! Do mock interviews with friends or use online platforms. The more comfortable you are, the better you'll perform when it counts.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, we love seeing candidates who take that extra step.
We think you need these skills to ace Lab Product Owner - Customer Affordability & Data, Consumer Data Lab
Some tips for your application 🫡
Tailor Your CV:Make sure your CV reflects the skills and experiences that align with the Lab Product Owner role. Highlight your experience in product ownership, especially in data or platform-led environments, to show us you’re the right fit.
Craft a Compelling Cover Letter:Use your cover letter to tell us why you’re passionate about transforming lending decisions through data. Share specific examples of how you've leveraged data to drive business value in previous roles.
Showcase Your Stakeholder Skills:Since this role involves working closely with senior stakeholders, make sure to highlight your experience in influencing and translating strategy into high-impact delivery. We want to see how you’ve led teams and projects successfully.
Apply Through Our Website:We encourage you to apply directly through our website for a smoother application process. It’s the best way for us to receive your application and get you on our radar!
How to prepare for a job interview at Lloyds Bank plc
✨Know Your Data Inside Out
As a Lab Product Owner, you'll be working with data platforms, so make sure you understand the key principles of data management. Brush up on data quality, lineage, and governance. Be ready to discuss how you've leveraged data in past roles to drive business value.
✨Showcase Your Stakeholder Skills
You'll need to influence senior stakeholders, so prepare examples that highlight your leadership skills. Think about times when you've successfully translated strategy into high-impact delivery. Practise articulating these experiences clearly and confidently.
✨Demonstrate Your Agile Mindset
This role requires a strong understanding of agile environments. Be prepared to discuss how you've prioritised complex backlogs and delivered outcomes in such settings. Share specific examples of how you've adapted to changes and ensured continuous improvement.
✨Prepare Questions That Matter
Interviews are a two-way street! Prepare insightful questions about the company's approach to data-driven decision-making and how they envision the future of their data platform products. This shows your genuine interest and helps you assess if the role is right for you.
