End Date
Friday 21 February 2025
Salary Range
£38,295 - £42,550
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: Product Analyst, Credit Cards
LOCATION(S): Chester or Cardiff
HOURS: Full time
WORKING PATTERN: Hybrid, 40% (or two days per week) in one of our office sites mentioned above
About this opportunity
Do you have the skills, innovation and creativity to work within a data-led product team which develops propositions and products to meet our customers’ needs better and drive cards P&L growth? If so, we’d love to hear from you!
The Consumer Credit Cards Team is a market leading provider of Credit Card products across the Lloyds, Halifax, BOS and MBNA brands. One in four Credit Card users chooses an LBG product, and we provide accessible, flexible and responsible lending. This role will sit within our newly-formed New Product Development team, which is responsible for shaping segment-led product strategy and E2E customer-centric products and propositions for credit cards, along with P&L accountability for said products.
Reporting to the Analytics Manager, this role focuses on delivering insight and analytics, to help the Credit Card product function understand customer needs, behaviours, product performance and deliver against financial plans, whilst playing a pivotal role in our innovation agenda. Working closely with the credit cards commercial and tech teams as well as across key functional teams including Affordability, Customer Propositions, Everyday Banking, Customer Insights, Credit Risk and CCO, you’ll play a pivotal role in our innovation agenda.

Key accountabilities will include:

• Extracting and analysing data using SAS/SQL through SAS Enterprise Guide or Teradata.
• Turning your data into accurate, concise, and meaningful insights.
• Clear articulation of insights and recommendations with senior managers and key partners around the business.
• Developing MI suite for monitoring and reporting product performance, customer usage and outcomes, customer profiling and behaviours, product P&Ls and key performance indicators.
• Bringing to bear new and existing data sources to gather insights, identify gaps and recommend product and proposition enhancements.

Operating at a fast pace, our team fosters a dynamic culture and appreciates a good sense of humour! Deeply dedicated to development, this role presents an excellent opportunity to expand your network through collaboration with teams across Lloyds Banking Group and external partners.
About us
If you think all banks are the same, you’d be wrong. We’re an innovative, fast-changing business that’s shaping finance as a force for good. A bank that’s empowering its people to innovate, explore possibilities and grow with purpose.
What you’ll need
Able to accurately translate selection criteria into code, for the purposes of data selection. Apply balanced thinking across commercial and customer needs. A self-starter, with experience in finding own solutions to new and emerging challenges. Collaborate in cross-functional teams, communicate findings effectively.

Essential Skills and Experience:

• A strong numerical background.
• Hands on experience of utilising data mining software within a complex, commercial workplace environment. Proficient in SAS/ SQL.
• Competency in using Microsoft Excel and PowerPoint.
• Practical experience in using data to gather customer and product insights, and market trends. Previous experience working within data-led product strategy teams is preferable, especially in financial services (credit cards/ consumer lending desirable).
• Clear articulation of insights and recommendations with senior managers and key partners around the business.
• Self-motivated with the ability to prioritise and handle changing priorities.
• Experience of developing business cases which balance value and customer experience.
• Previous exposure to workplace situations which have required you to use your communication and influencing skills, to gain consensus and support for recommendations.

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

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

Please refer the Job description for details