End Date

Tuesday 16 June 2026

Salary Range

116,535 - 137,100

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

Flexible Working Options

Job Share

Job Description Summary

Please contact Gill Hamilton for further information - GillianHamilton@bankofscotland.com

Job Description

JOB TITLE: Lab Product Owner - Customer Affordability & Data, Consumer Data Lab

LOCATION: Chester, Manchester, Bristol

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 mentioned above. Colleagues with disabilities can be supported with workplace adjustments, including hybrid working expectations in line with our Flexibility Works policy

What youll be doing

This is an opportunity to shape how we use data to transform lending decisions and deliver better outcomes for millions of customers.

As a Lab Product Owner within Customer Affordability & Data and the Consumer Data Lab, youll own and evolve a portfolio of data platform products, enabling teams across Consumer Lending to access, leverage and derive value from trusted data at scale. Youll sit at the centre of a function that combines commercial expertise with advanced data and analytics to personalise lending, improve access to credit and support smarter decision-making.

Youll work closely with senior stakeholders, engineers and data specialists to translate strategic priorities into tangible product outcomes. A key focus will be ensuring data is not only well-governed and accessible, but actively leveraged to optimise decisions, improve performance and unlock measurable business value.

Operating with a strong platform product mindset, youll design scalable, reusable data capabilities that can be consumed across multiple teams and use cases. Youll lead the end-to-end lifecycle of these products from discovery through to build, deployment and continuous improvement helping embed a truly data-driven culture across the business.

Why join us

Were transforming at pace. Investing billions in our people, data and tech to change the way we meet the needs of our 28 million customers. Were growing, and wed love you to be part of the journey

Essential Skills

• 8+ years proven experience in Product Ownership or Product Management within data or platform-led environments

• Strong experience building and scaling data platform products, with a focus on reusability, accessibility and cross-team consumption

• Demonstrated experience leveraging data to drive business value, including improving decisioning, optimisation or commercial outcomes

• Strong understanding of data management principles (data quality, lineage, governance), balanced with a focus on usability and adoption

• Experience defining product vision, prioritising complex backlogs and delivering outcomes in agile environments

• Strong stakeholder leadership skills, including influencing senior stakeholders and translating strategy into high-impact delivery

Desirable Skills

• Experience in Consumer Lending, affordability or credit risk environments

• Experience in data value realisation, optimisation or data-led product strategy

• People leadership experience, including developing high-performing product teams

• Exposure to large-scale data platforms and cloud environments (e.g. Google Cloud Platform)

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, and were 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 wideranging benefits package, including:

• A generous pension contribution of up to 15%

• An annual performancerelated 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 were building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.