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Job Description Summary

Job Description

JOB TITLE: Head of Commercial Analytics

LOCATIONS: London, Bristol, Edinburgh, Manchester or Leeds

SALARY: Competitive package available.

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 the role

We are looking for an exceptional commercial analytics leader to drive growth across Business & Commercial Banking. Working at the intersection of Product, Digital and Coverage, the position involves turning customer, product and financial insight into decisive action and measurable value.

The Chief Data and AI Office within Business and Commercial Banking exists make the UK’s most data-driven and AI-enabled bank for business, uniting Product, Coverage and Digital through trusted data and responsible AI to unlock extraordinary value, transform every client experience and power sustainable growth at scale.

As the senior analytical leader within the Chief Data and AI Office within Business and Commercial Banking, you will lead a team that develops a view of value across customers, products, and channels, clarify the factors that influence commercial performance whilst seeking opportunities to grow income, margin, engagement, and lifetime value. The overall recommendations should balance growth, customer outcomes and risk appetite from start-ups to Mid-Market businesses. 

What you’ll be responsible for 

• Develop and implement the commercial analytics capability focusing the organisation on its highest-value, actionable opportunities. 

• Drive value for the business by creating a coherent view of performance across customers, products, journeys and coverage channels. 

• Translate P&L, pricing, behavioural and market insight into clear choices for senior leaders. 

• Provide direction and guidance on propositions, pricing, segmentation, relationship deepening and retention strategies. 

• Work in partnership with key stakeholders across product, coverage, finance, risk, strategy, to move from insight to execution. 

• Lead and inspire a high-performing, geographically dispersed team, creating a strong culture of accountability, collaboration and consistent delivery across multiple location 

What you’ll need 

Bring commercial authority, analytical credibility and the presence to influence at the highest levels. Demonstrates comfort with ambiguity, rigour with evidence coupled with capacity to bring diverse teams together behind a clear course of action. 

Essential experience 

• Significant leadership experience in analytics, pricing, customer insight, decision science or strategy within a complex organisation. 

• Deep understanding of commercial banking product economics, pricing, distribution and customer behaviour. 

• Good commercial judgement and the ability to frame ambiguous questions, navigate trade-offs and set direction. 

• Credibility with senior executives and experience leading cross-functional delivery from insight through to value realisation. 

• A track record of building high-performing, multidisciplinary teams. 

Leadership capabilities 

• Strategic and commercial: sees the system and focuses on what brings value. 

• Customer-led: delivers growth while protecting outcomes and trust. 

• Influential and decisive: simplifies complexity, challenges constructively and builds alignment. 

• Collaborative and inclusive: creates accountability, develops talent and succeeds through others. 

• Progressive: champions experimentation and the responsible application of new technology. 

Desirable experience 

• Senior experience in banking or financial services, ideally business or commercial banking. 

• Exposure to relationship-led distribution, credit, balance-sheet economics or portfolio strategy. 

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 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. 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 to do the best work of your career? Apply today!

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.