Product Manager – Credit Cards (Instalments) in Chester

End Date: Wednesday 27 May 2026

Salary Range: £61,344 - £68,160

We support flexible working – click here for more information on flexible working options.

Flexible Working Options: Hybrid Working, Job Share

LOCATION: Chester or Manchester

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. We support agile and flexible working and offer workplace adjustments in line with our Flexibility Works policy.

What you’ll be doing:

We have an exciting opportunity for a Product Manager to join our Credit Cards Product Development team, supporting the continued growth and evolution of our Instalments proposition. The team is responsible for designing and delivering customer‑centric credit card products and features, with end‑to‑end accountability for customer outcomes, commercial performance and delivery. Within this role, you’ll focus specifically on the development, launch and optimisation of instalments features that help customers better manage their spending and repayments.

You’ll take ownership of discrete initiatives within the instalments product roadmap. You’ll work closely with Platform and Engineering teams, Everyday Banking and other Credit Card product teams to take ideas from concept through to scalable, compliant delivery. You’ll help shape how instalments are designed, positioned and delivered, balancing customer value, commercial outcomes and risk. Throughout, you’ll ensure propositions remain aligned to policy, risk appetite and Consumer Duty expectations, while staying competitive in the market.

Why join us:

The Credit Cards business is entering an exciting new phase of transformation, making this a great time to join. You’ll work on high‑profile initiatives, influence product strategy and help shape propositions that make a meaningful difference to customers.

Essential skills:

• 3+ years’ experience in a product management role, delivering end‑to‑end products or propositions from concept through launch and optimisation.
• Experience developing products or propositions within financial services, payments, lending or other regulated environments.
• Proven experience translating product strategy into clear roadmaps, priorities and executable plans.
• 3+ years’ experience working cross‑functionally with technology, engineering, operations and risk teams using agile ways of working.
• Strong analytical skills, using performance data, customer insight and market trends to inform decision‑making and prioritisation.
• Effective stakeholder management and communication skills, with the ability to engage and influence across multiple teams.
• Clear customer‑centric mindset, with a focus on delivering positive customer outcomes in line with Consumer Duty.

Desirable skills:

• Experience with credit cards, instalments, payments or BNPL propositions, including proposition design or lifecycle management.
• Experience supporting product experimentation, test‑and‑learn or iterative delivery approaches.
• Familiarity working within regulated product, conduct and risk frameworks.

We know that great talent comes from many backgrounds. Whilst this 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 provide reasonable adjustments throughout the recruitment process to reduce or remove barriers. Just let us know what you need.

We offer a wide‑ranging benefits package, including:

• A generous pension contribution of up to 15%
• An 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

Ready for a career where you can have a positive impact as you learn, grow 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.

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.