End Date
Friday 25 July 2025
Salary Range
£0 - £0
We support flexible working – click here for more information on flexible working options
Flexible Working Options
Hybrid Working, Job Share
Job Description Summary
.
Job Description
JOB TITLE: Head of Structured Trade and Distribution
LOCATION: London
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.
About this opportunity
A seasoned product management leader, with experience in designing and managing Trade and Working Capital products and liaising with cross functional teams across the organisation to deliver on the Group’s strategic priorities.
The Trade and Working Capital team provides commercial banking solutions to businesses of all sizes, in the UK and internationally, including trade, invoice finance and asset finance solutions. These solutions are grounded in an in-depth understanding of clients, a passion for enabling businesses to efficiently handle their liquidity, complete payments, mitigate their risks, fund trade flows and support growth.
We’re on an exciting journey and there couldn’t be a better time to join us. The investments we’re making in our people, data, and technology are leading to innovative projects, fresh possibilities, and countless new ways for our people to work, learn, and thrive.
We’re looking for an individual who is highly experienced in Trade & Working Capital products to lead a function of product specialists within the business. You’ll be accountable for a team that structures, underwrites and manages the products, while also ensuring alignment to core regulatory requirements and compliance policies and delivering great customer outcomes.
You’ll work with a high energy team of product specialists, as well as key partners in other areas of the bank, to unlock growth whilst championing an environment of diversity and customer centric innovation, promoting new ways of working to deliver our broader purpose – Helping Britain Prosper.
Role Accountabilities
The Head of Trade and Working Capital Products will be responsible for designing and implementing our go to market strategy across our suite of products, which includes Core Trade (e.g. Documentary Trade and Guarantees), Open Account (Supplier Finance, Receivables Purchase and Invoice Finance) and Asset Finance – a significant growth opportunity for the Group. The solutions within this suite are well known while simultaneously facing rapid transformation and exciting digital transformation.
The future of these products and Lloyds’ success in delivering these much-needed solutions to clients is reliant upon technological advancement, industry leadership and commercialisation.

The Head of Trade & Working Capital Products will work closely with team members to support BCB and CIB clients to access our products in a simple more stream-lined manner. Other accountabilities will include:

• Oversight of product governance and control frameworks
• Management of product risks including credit risk, fraud and financial crime risk
• Overarching ownership of product strategy definition and execution
• Roadmap for existing products, including innovation, simplification, distribution and cost-optimisation
• Responsible for the revenues and cost budgets of the product suite
• Compliance with credit and risk policies
• Regular engagement and training with core partners, whilst working with external bodies to ensure that LBG is well represented within the industry

Experience

• Deep understanding of the product set, including expertise in structuring, underwriting, and managing of facilities
• Product Development experience including creating and enhancing Trade and Working Capital products and working with internal and external partners on emerging innovations
• Proven track record in Financial Analysis and Risk Management
• Experience in leading product teams and driving thought leadership in the industry
• Understanding and experience of the product set – and insight into the broader trends and changes impacting clients across the wider industry
• Awareness of market trends, and the opportunities and threats that these present to customers and the bank, and the amendments required to the Group’s risk management framework
• Extensive stakeholder management experience, preferably in a large banking and financial services institution
• Knowledge and understanding of the Group, clients and insight into the broader market trends and changes impacting our clients and the wider industry
• Strong communicator with ability to distil complex themes into simple but highly effective messages
• Experience in creation, implementation and management of strategic plans
• Experience in line managing a team of great colleagues, plus a diverse internal and external network
• Flair for technology, digitisation and innovation is desirable
• Work collaboratively, successfully and influence networks at all levels across the organisation

About working for us
Our focus is to ensure we’re inclusive every day, building an organisation that reflects modern society and celebrates diversity in all its forms.
We want our people to feel that they belong and can be their best, regardless of background, identity or culture.
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.
And it’s why we especially welcome applications from under-represented groups.
We’re disability confident. So if you’d like reasonable adjustments to be made to our recruitment processes, just let us know.

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

This is a once in a career opportunity to help shape your future as well as ours.
Join us and grow with purpose.
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

Please refer the Job description for details