Product Manager – Credit Cards

End Date

Sunday 26 April 2026

Salary Range

£61,344 - £68,160

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

Flexible Working Options

Hybrid Working, Job Share

Job Description Summary

We currently have an exciting opportunity for 2 Product Managers to join our Credit Cards Product Development team. This team is responsible for shaping segment-led product strategy and E2E customer-centric products and propositions for credit cards, with P&L accountability for said products. The team also owns the partnerships strategy and P&L for credit card products. Reporting to the Senior Product Manager, you'll be responsible for designing, launching and enhancing products that meet customer needs. You'll partner with our Platform and Engineering teams, Everyday Banking, other Credit Card product teams and external partners to deliver the product and partnerships strategy.
The Credit Card business is entering an exciting new phase of transformation, so there couldn't be a better time to join us!

Job Description

JOB TITLE: Product Manager – Credit Cards

LOCATION: Chester or Manchester

HOURS: Full‑time (35 hours per week)

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. We support agile and flexible working and offer workplace adjustments in line with our Flexibility Works policy.

What you’ll be doing

We currently have an exciting opportunity for two Product Managers to join our Credit Cards Product Development team, supporting the next phase of growth and transformation within our Credit Card business.

This team is responsible for shaping segment‑led product strategy and designing end‑to‑end, customer‑centric credit card products and propositions, with full P&L accountability. The team also owns the partnerships' strategy for credit card products, working with external partners to deliver compelling value for both customers and the business.

Reporting into a Senior Product Manager, you’ll be responsible for designing, launching and enhancing products that meet real customer needs. You’ll work closely with Platform and Engineering teams, Everyday Banking, other Credit Card product teams and external partners to take products from concept through to scalable, compliant delivery.

You’ll play a key role in delivering critical initiatives focused on either a major partnership launch or the development of instalments propositions. Throughout, you’ll balance customer value, commercial outcomes and risk, ensuring products remain competitive while aligned to risk appetite, policy and Consumer Duty requirements.

Why join us

The Credit Cards business is entering an exciting new phase of transformation, making this a great time to join. You’ll work on high‑profile initiatives, influence product strategy and help shape propositions that make a meaningful difference to customers.

Essential skills

• 3+ years product management experience delivering end‑to‑end products or propositions from concept through launch and optimisation.

• Product and proposition development experience within financial services, payments, lending or similarly regulated environments.

• Strategy delivery experience, translating product strategy into clear roadmaps, priorities and executable plans.

• 3+ years cross‑functional delivery experience working with technology, engineering, operations and risk teams using agile ways of working.

• Strong analytical skills, using performance data, customer insight and market trends to inform decisions and prioritisation.

• Stakeholder management and communication skills, influencing across teams and presenting clearly to senior stakeholders.

• Customer‑centric mindset, with a clear focus on delivering positive customer outcomes in line with Consumer Duty.

Desirable skills

• Credit cards, payments or BNPL experience, including proposition design or lifecycle management.

• External partner management experience, working with third‑party providers or strategic partners.

• Experience running product experimentation or test‑and‑learn initiatives.

• Experience operating within regulated product and risk frameworks.

We know that great talent comes from many backgrounds. Whilst this advert may reference specific years of experience, we recognise that skills are developed in many ways, so if you have relevant, transferable experience, we encourage you to apply.

This is a place for you

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

We offer a wide‑ranging benefits package, including:

• A generous pension contribution of up to 15%

• An annual performance‑related bonus

• Share schemes including free shares

• Benefits you can tailor to your lifestyle, such as discounted shopping

• 30 days’ holiday, plus bank holidays

• 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.