At a Glance
- Tasks: Shape pricing strategy for the UK's largest personal loans provider and optimise customer pricing.
- Company: Join Lloyds Banking Group, a pioneering business shaping finance for good.
- Benefits: Generous pension, performance bonuses, tailored benefits, 30 days holiday, and wellbeing initiatives.
- Other info: Diverse and inclusive workplace with opportunities for career development.
- Why this job: Make a real impact in financial services while learning and growing your career.
- Qualifications: 3+ years in pricing or analytics with strong data skills and market awareness.
The predicted salary is between 61344 - 68160 £ per year.
End Date: Friday 14 August 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(S): Edinburgh, Leeds, Chester, Cardiff
HOURS: Full-time
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. Colleagues with disabilities can be supported with workplace adjustments including hybrid working expectations in line with our Flexibility Works policy.
What you’ll be doing: This is a chance to help shape the pricing strategy for the UK’s largest personal loans provider, supporting customers to borrow responsibly while helping the business grow in a fair, sustainable and commercially disciplined way. Lloyds Banking Group is the UK’s number one provider of personal loans, with 24% stock market share and £11bn of customer balances. Our Loans business has grown consistently over recent years, and we have ambitious plans to continue growing balance sheet, market share, income and profit across our six-year operating plan.
As Loans Pricing Manager, you’ll play a key role in optimising customer pricing across Lloyds, Halifax, Bank of Scotland and MBNA, as well as our own and third-party digital channels. You’ll use data, analytics, market insight and commercial judgement to shape pricing decisions that deliver fair value for customers, support responsible lending and remain within risk appetite.
You’ll own and develop our “best in class” loans pricing strategy, leading front-book margin planning and individual customer pricing using advanced analytics and pricing models. You’ll also work closely with senior leaders across Loans, Credit Risk, Finance, Treasury and our third-party partners to develop pricing recommendations, secure approvals and influence the wider commercial agenda.
You’ll be responsible for maintaining a clear view of front-book profitability, including funding costs, expected loss rates, cost assumptions, capital impacts and wider market dynamics. You’ll also own pricing and profitability forecasts, covering lending, balance sheet growth, market share and margin outlook.
Why join us? If you think all banks are the same, you’re wrong. We’re a pioneering, fast-changing business that’s shaping finance as a force for good. If you’re after a role where you can have an impact and do the best work of your career, you’ve just found it.
What we’re looking for:
- 3+ years’ experience in pricing, commercial analytics, credit risk, financial services analytics, or a highly numerical commercial role, with a strong understanding of financial performance drivers, profitability and margin management.
- 3+ years’ experience using data, insight and analytics to shape commercial recommendations, influence decisions and identify opportunities that balance customer outcomes with business performance.
- 3+ years’ experience building, validating or interpreting analytical models used for pricing, forecasting, segmentation, customer analytics or profitability analysis.
- 3+ years’ experience working with data and visualisation tools such as Python, SQL, SAS, Power BI, Tableau, machine learning tools, cloud-based data platforms or similar analytical technologies.
- Proven experience influencing senior stakeholders, translating complex data into clear recommendations, and presenting insight in a way that supports decision-making.
- Strong market awareness, with the ability to interpret customer trends, competitor activity, external market conditions and regulatory developments to shape commercial strategy.
And any experience of these would be useful:
- Experience in unsecured lending, personal loans, credit cards, consumer finance, retail banking or another regulated lending environment.
- Experience working with pricing governance, credit risk appetite, fair value, responsible lending or regulatory pricing considerations.
- Experience partnering with Treasury, Finance, Credit Risk, Product, Digital or third-party suppliers to deliver commercial outcomes.
- Experience using advanced analytics, machine learning, agentic AI or cloud-native tools such as Google Cloud Platform.
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 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.
Loans Pricing Manager in Edinburgh employer: Lloyds Bank
At Lloyds Banking Group, we pride ourselves on being an exceptional employer, offering a supportive and inclusive work environment in Fort William. With a strong focus on employee growth through our Skill Progression Framework, we provide ample opportunities for career advancement while ensuring a healthy work-life balance with flexible working options. Our comprehensive benefits package, including generous pension contributions and wellbeing initiatives, reflects our commitment to the well-being of our colleagues, making us a great place to build a meaningful career.
StudySmarter Expert Advice🤫
We think this is how you could land Loans Pricing Manager in Edinburgh
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Lloyds Bank. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Loans Pricing Manager in Edinburgh
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Lloyds Bank.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Lloyds Bank's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Lloyds Bank
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Lloyds Bank.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Lloyds Bank will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Lloyds Bank employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
