At a Glance
- Tasks: Lead financial strategy and performance for Lending & Working Capital, driving growth and innovation.
- Company: Join Lloyds Banking Group, a leader in transforming finance for good.
- Benefits: Generous pension, annual bonuses, share schemes, 30 days holiday, and wellbeing initiatives.
- Other info: Diversity-focused workplace with excellent career development opportunities.
- Why this job: Make a real impact on businesses while developing your leadership skills in a dynamic environment.
- Qualifications: Senior leadership experience with strong knowledge of Lending & Working Capital products.
The predicted salary is between 80000 - 100000 £ per year.
Locations: Edinburgh / Glasgow / Leeds / Birmingham / Bristol / London
Hours: Full time
Working Pattern: Our work style is hybrid, which involves spending at least two days per week, or 40% of your time, at our above offices.
About This Opportunity: Join Lloyds Banking Group's Business and Commercial Banking division (BCB) as we redefine how businesses access Lending and Working Capital solutions across the UK. Our platform spans Lending, Asset Finance, Overdrafts, and Invoice Finance, helping businesses of all sizes optimise working capital, manage risk, and fund growth. Our products sit at the heart of BCB, driving innovation and supporting our purpose of Helping Britain Prosper.
As Commercial Director for Lending & Working Capital (L&WC), you'll lead financial performance and strategy, reporting directly to the Managing Director. You'll head a team of 10, aligning scorecards, board-level metrics, and Group priorities while driving planning, forecasting, and collaboration across Coverage, Finance, and Group Corporate Treasury. Acting as a key link between Product teams and partners, you'll nurture growth, operational excellence, and data-driven insight to deliver better outcomes for customers.
What you'll be doing:
- Lead planning and revenue forecasting across L&WC acting as the first point of contact with Finance and key partners to produce accurate multi-year forecasts.
- Build enhanced forecasting and value analysis by client, segment and sector, using insights to sharpen decisions.
- Supervise performance trends and lead interventions that unlock sustainable growth and improve customer outcomes.
- Improve analytics and supporting data sets that underpin pricing and forecasting, including greater adoption of AI and tried machine learning from our platforms.
- Assess the impact of tactical and central initiatives, track benefits against budget and ensure assumptions remain sound.
- Be responsible for the relationship with Group Corporate Treasury, deputise for the MD at ALCOs, and lead discussions at Asset and Liability Pricing Committee and BCB Growth Forum to ensure pricing and liquidity processes are accurate and aligned.
Why Lloyds Banking Group: 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 an excellent place for everyone. Including you.
What you'll need:
- A strong background of senior leadership, with experience hitting commercial targets, leading teams and delivering or commercialising investment projects.
- Deep knowledge of L&WC products, with a curiosity to broaden expertise across the product set.
- Strong risk management and governance capability, able to identify, assess and mitigate risks with effective oversight and controls.
- Advanced financial and non-financial analysis skills, with the ability to turn insight into clear actions and measures.
- Strategic thinking and problem-solving ability, with experience improving operating models to develop competitive advantage.
- Excellent influencing and communication skills, with credibility up to Group Executive Committee level and a collaborative style that builds positive relationships.
About working for us: Our ambition is to be the top tier 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 performance-related bonus
- 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.
Ready for a career where you can have a positive impact as you learn, grow and thrive? Apply today and find out more.
L&WC Commercial Director employer: LLOYDS BANKING GROUP
Lloyds Banking Group is an exceptional employer, offering a dynamic work culture that prioritises diversity, equity, and inclusion while fostering employee growth and development. With a generous benefits package, including a substantial pension contribution, performance-related bonuses, and flexible working arrangements, employees are empowered to thrive both personally and professionally in vibrant locations such as Edinburgh, Glasgow, Leeds, Birmingham, Bristol, and London.
StudySmarter Expert Advice🤫
We think this is how you could land L&WC Commercial Director
✨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
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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.
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Don’t shy away from reaching out directly to firms like LLOYDS BANKING GROUP. 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 L&WC Commercial Director
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 BANKING GROUP.
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.
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How to prepare for a job interview at LLOYDS BANKING GROUP
✨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 BANKING GROUP.
✨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 BANKING GROUP 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 BANKING GROUP 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.
