D2C Growth & Innovation Lead (Hybrid)

End Date: Sunday 15 March 2026

Salary Range: £39,825 - £44,250

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

Flexible Working Options: Flexibility in when hours are worked, Hybrid Working, Job Share.

About this opportunity:

The Direct to Consumer Innovation & Growth team sits at the forefront of the fast‑paced Transport Experience & Insight area. We focus on driving sustainable growth in Online Car Finance (OCF) and now have an expanded remit that includes broader mobility ecosystems — including the soon‑to‑launch Retail Mobility Hub within the Lloyds Banking app.

It’s an exciting time to join us. Backed by strong commercial performance and ambitious future plans, we’re growing the team to deliver new propositions and shape the next generation of mobility experiences.

Launched in 2015, OCF became the UK’s first fully digital car finance journey. Today, we support Lloyds Bank, Halifax, and Bank of Scotland customers with seamless end‑to‑end experiences — from financing a car, switching existing finance, or leasing a brand‑new vehicle, all within their banking app. After becoming the first UK bank to launch Personal Contract Hire in 2023, we continue to innovate with bold investments in new journeys and products. OCF new lending grew 28% in 2025 and 300% over the last five years — and we plan to go further.

Looking ahead, we’re preparing to launch a pre‑loved leasing proposition and a mobility hub that will redefine how customers interact with transport services. As part of the wider Transport Experience & Insight team, you’ll influence key critical initiatives and play a role in shaping the Group’s broader transport vision.

Your accountabilities will include:

• Using data and insight to uncover opportunities that improve customer experience and deliver value growth — focusing on P&L metrics and customer demographics.
• Integrating AI use cases into trading, data, and back‑office processes.
• Supporting the P&L through strategies that drive growth and reduce costs.
• Acting as SME on OCF data and related areas, including owned and paid channel performance.
• Using storytelling to turn data‑driven insights into compelling visions for change.
• Applying data to support decisions, performance understanding, and business case creation.
• Demonstrating knowledge of upcoming internal and external propositions to find opportunities.
• Providing SME support for implementing new initiatives and requirements.
• Embedding Consumer Duty principles into performance design and team plans.
• Collaborating with stakeholders to solve customer and colleague challenges.
• Building strong relationships across Transport, Platforms, LBG products, BMX, CCOR, Legal, and Credit Risk teams.

Essential skills and experience required:

• Data‑driven approach: Ability to use data to find opportunities, understand commercial performance, and shape customer‑focused change.
• Change delivery: Proven ability to design and deliver improvements that enhance customer experience and drive measurable commercial outcomes.
• Technical capability: Confidence working with bank data systems (e.g., GDW, GCP) and tools such as Excel, SQL, SaaS analytics platforms or Power BI, or willingness to train in coding techniques.
• Influencing & stakeholder management: Strong interpersonal skills with the ability to collaborate across diverse teams and influence decision‑making.
• Communication excellence: Skilled in presenting insights, recommendations and narratives clearly and compellingly to team members.
• Digital awareness: Understanding of digital journeys (e.g., onboarding, optimisation) and how to use insight to improve them.

Desirable Skills:

• Industry insight: Familiarity with consumer or motor finance markets.
• Commercial understanding: Ability to interpret commercial levers such as customer economics, value drivers, cost efficiency, and growth impacts within a D2C context.
• Experience in innovation or optimisation: Background in proposition design, digital optimisation, or test‑and‑learn methods (e.g., A/B testing).

About working for us:

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 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.

We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. And, as a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long-term health or neurodivergent condition through the Disability Confident Scheme.

We provide reasonable adjustments throughout the recruitment process to reduce or remove barriers. Just let us know what you need.

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
• 28 days’ holiday, with bank holidays on top
• 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'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.

Required skills: Data Analysis, SQL, GCP, Power BI, A/B testing, Excel

Required languages: English