Swift Lab Product Owner

End Date: Monday 09 February 2026

Salary Range: £106,565 - £125,370

Flexible Working Options: Hybrid Working, Job Share

Location: Edinburgh

Hours: Full time

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

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.

About this opportunity: The Swift Lab sits within the Payments Services Platform and is responsible for safeguarding and enhancing the Group’s connectivity to the global SWIFT network. We own and operate key components including GTX, SWIFT gateways, messaging & orchestration tooling, and the portfolio of SWIFT mandated products that keep our payment flows compliant, secure, and real-time. The purpose of the Lab Product Owner's role is the overall ownership for a single, large and complex product backlog which may contain many features, journeys or technology components. This role aims to provide value to customers by ensuring the teams focus on addressing the right issues. This involves fostering collaborative and empowered teams that take ownership of outcomes, encouraging innovation, and minimizing risk through data-driven testing and learning. This is a senior delivery leadership role where you’ll drive the execution of a significant change portfolio, including our strategic 2026–2030 modernisation roadmap. You’ll steer the evolution of our SWIFT connectivity stack, including the replacement of the GT Exchange (GTX) application with our own next generation gateway, alongside major infrastructure uplift and application modernisation programmes.

What you’ll do:

• Lead delivery of critical SWIFT connectivity capabilities, ensuring alignment to agreed priorities, regulatory deadlines, and Lab capacity.
• Shape and own the product roadmap, translating strategy into actionable backlogs and delivery increments.
• Drive key modernisation initiatives, including the buildout of a new SWIFT gateway to replace GTX.
• Manage complex stakeholder relationships across PSP, Operations, Fraud, CISO, Architecture, Programme Delivery and external partners.
• Maintain a strong focus on risk, security, resilience and compliance in every delivery decision.
• Partner with engineering leadership to ensure technical solutions are robust, modern, and scalable.
• Use data and service insights to inform prioritisation and support continuous improvement.
• Champion high-quality people leadership — coaching, supporting and developing colleagues to grow their skills, confidence and delivery impact.
• Create the conditions for high performing teams, promoting psychological safety, shared purpose and continuous learning.
• Champion the culture, capability and performance of the Lab — empowering colleagues to deliver exceptional outcomes.
• Deliver against a product budget, performing financial and data analysis.
• Support development of Platform or Lab OKRs and provide product performance and benefits realisation data.
• Input into business 4YOP, customer plan and tech roadmap as required.
• Define and prioritise Platform epics, features and stories which support Product strategy.
• Accountable for overseeing product change governance (e.g., CMIA / SPFIA activities), business readiness activities (e.g., training and comms).

What you’ll need: We’re looking for someone who brings credibility, purposeful leadership, and strong delivery discipline. Ideally, you’ll have a background in payments, international banking, or financial messaging — and an ability to translate complex technical and operational requirements into a clear, prioritised product vision.

• Extensive experience delivering complex technology or platform change within large organisations.
• Background in payments, financial messaging, or international banking — ideally with exposure to SWIFT, CHAPS, or high value payments.
• Strong understanding of technical infrastructure, integration patterns, and the controls required to operate secure payment connectivity.
• Demonstrated ability to inspire teams, build followship, and cultivate a positive, high performance culture. You lead with authenticity, empathy and clarity, supporting colleagues to thrive and enabling sustained team performance.
• Proven track record of influencing senior stakeholders and navigating complex delivery environments.
• Experience shaping and managing product roadmaps with clear prioritisation and disciplined governance.

It would be great if you also had:

• Familiarity with SWIFT products (e.g. FIN, ISO 20022, RMA, SRM, CSP controls).
• Experience overseeing infrastructure modernisation or gateway migrations.
• Understanding of the broader Payments Services Platform and UK regulatory landscape.

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. And 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.

We also offer a wide-ranging benefits package, which includes:

• A generous pension contribution of up to 15%
• An annual bonus award, subject to Group performance
• 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

Join our journey! 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.