End Date
Thursday 30 July 2026
Salary Range
£78,098 - £91,880
We support flexible working – click here for more information on flexible working options
Flexible Working Options
Hybrid Working, Job Share
Job Description Summary
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Job Description
JOB TITLE: Senior Product Manager - Credit Cards (Engagement & Retention)
LOCATION: Chester, Cardiff or Manchester
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.
How do you keep millions of customers engaged with their credit card while delivering great customer outcomes and strong commercial performance?
As Senior Product Manager, Cards Engagement & Retention, you'll lead a team of Product Managers and Product Strategy Analysts responsible for driving customer engagement, retention and commercial performance across our credit card portfolio. You'll use customer insight, behavioural analytics and market trends to shape propositions, lifecycle strategies and customer journeys that help customers get more value from their cards while delivering sustainable growth for the business.
Working at the intersection of product, customer strategy, data and commercial performance, you'll identify opportunities to improve engagement, increase usage and reduce attrition. You'll lead the development of targeted customer propositions and multi-channel engagement programmes, whilst coaching and developing your team to deliver innovative solutions and exceptional customer outcomes.
You'll work closely with colleagues across Marketing, Digital, Data, Technology, Operations and Risk to bring new ideas to life, leading complex strategic initiatives that improve customer experience and support the future growth of our cards business. You'll also play a key role in shaping team priorities, building capability and creating a high-performing environment where Product Managers and Product Strategy Analysts can thrive.
This is a highly visible leadership role with significant stakeholder exposure, giving you the opportunity to influence senior decision-makers, shape strategic priorities and make a tangible impact across one of the UK's largest credit card portfolios.
5+ years' experience in Product Management within Cards, Payments, Lending, Banking or another complex regulated industry.
5+ years' experience developing and delivering customer engagement, retention or lifecycle strategies that drive measurable commercial outcomes.
Strong experience using customer, behavioural and portfolio data to identify opportunities, shape propositions and influence strategic decision making.
Proven experience leading large cross-functional initiatives across Product, Marketing, Digital, Technology, Operations and Risk functions.
Strong commercial acumen with experience managing customer or product performance against growth, engagement, retention or profitability objectives.
Excellent stakeholder management and influencing skills, including experience presenting recommendations to senior leaders.
And any experience of these would be useful
Experience working in credit cards, consumer lending, payments or retail banking.
Experience with customer journey design, marketing technology or digital engagement platforms.
Experience leading, coaching or developing colleagues within a product, portfolio or customer strategy environment.
Knowledge of credit card marketing principles, sponsorship programmes or card network activity.
We know that great talent comes from many backgrounds. Whilst this job 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. We commit to crafting an environment in which everyone can thrive, learn, and develop. We provide reasonable adjustments during recruitment to reduce or remove barriers. Just let us know what you need.
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.
