Swift Lab Product Owner - Payments Platform Lead

End Date: Friday 22 May 2026

Salary Range: £106,565 - £125,370

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

Flexible Working Options: Hybrid Working, Job Share

Job Description Summary:

Location: Edinburgh

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…

Join us at the forefront of the bank’s payment connectivity strategy. As Product Owner for the Swift Lab, you'll lead a high performing delivery team focused on the group’s critically important “front door” connectivity to the SWIFT network — the global secure messaging backbone that underpins all of our cross border and CHAPS payment flows.

This is a senior delivery leadership role where you'll drive the execution of a significant change portfolio, including our strategic 2027–2030 modernisation roadmap. 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.

You’ll inspire and motivate colleagues across the Lab, creating strong followship and fostering a culture where people feel empowered to perform at their best. As a senior leader within the Payments Services Platform, you'll role model collaborative behaviours, nurture talent, and build an inclusive, high performing team environment.

As part of the Platform’s senior leadership group, you'll bring a strong horizontal attitude — looking beyond your immediate product to identify cross platform opportunities, support integrated outcomes, and drive continuous improvement across PSP.

In this role, you’ll shape the product’s commercialisation and value-realisation approach — defining clear service propositions, adoption plans, cost-to-serve views and benefits cases — so the roadmap delivers measurable outcomes for the Group. You’ll also lead the delivery of critical SWIFT connectivity capabilities, keeping work aligned to agreed priorities, regulatory deadlines and the Lab’s capacity.

You’ll be a key point of connection across the Payments Services Platform, building and managing relationships with Operations, Fraud, CISO, Architecture, Programme Delivery and external partners. Day to day, you’ll keep a strong focus on risk, security, resilience and compliance, and you’ll partner closely with engineering leadership to ensure solutions are robust, modern and scalable. You’ll use data and service insights to guide prioritisation and continuous improvement, while championing the Lab’s culture and capability — empowering colleagues and helping the team deliver exceptional outcomes.

Why Join Us?

This is a rare opportunity to lead the transformation of one of the most critical components of the bank’s payments ecosystem. You'll play a defining role in shaping how the Group connects to the global payments network today — and how it will operate in the future!

What We’re Looking For:

• Demonstrable, end-to-end product ownership experience (vision, strategy, roadmap, prioritisation and lifecycle management) for a platform or service in a complex, regulated environment.
• Deep domain knowledge of payments, financial messaging and international banking, with an external perspective on market trends, competitor/peer approaches and SWIFT direction (including ISO 20022 evolution).
• Strong understanding of secure, resilient connectivity platforms (integration patterns, controls, operational resilience) and the ability to partner effectively with engineering and operations to shape the solution.
• 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.
• Strong leadership and influencing skills, able to align diverse interests and make clear product decisions and trade-offs at pace.
• Evidence-based prioritisation skills, using customer/business outcomes, data, risk and cost/value to shape a roadmap and investment case.

Desirable:

• 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.

This is a place for you…

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 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

Ready for a career where you’ll learn 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.