L&WC Commercial Director

Lloyds Banking Group

West of England

Hybrid

Full time

14 days+

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Benefits offered by this job

Generous pension contribution of up to 15%

Annual performance-related bonus

Share schemes including free shares

30 days' holiday plus bank holidays

Various wellbeing initiatives

Job summary

A leading banking organization in the UK is seeking a Lending and Working Capital Commercial Director to lead financial performance and strategy. This senior role involves managing a team, driving planning, and ensuring excellent outcomes for customers. The ideal candidate will have expertise in Lending & Working Capital products and strong leadership experience, coupled with the ability to influence at the executive level. The position comes with a competitive salary, a hybrid work model, and a comprehensive benefits package.

Qualifications

Proven ability to hit commercial targets and lead teams effectively.
Experience in delivering and commercialising investment projects.
Strategic thinking with a knack for solving complex problems.

Responsibilities

Lead planning and revenue forecasting across Lending & Working Capital.
Supervise performance trends to unlock sustainable growth.
Improve analytics that underpin pricing and forecasting using AI.

Skills

Senior leadership experience

Knowledge of Lending & Working Capital products

Risk management capability

Financial analysis skills

Influencing and communication skills

Job description

Job Title: Lending and Working Capital Commercial Director

Locations: Edinburgh / Glasgow / Leeds / Birmingham / Bristol / London

Hours: Full time

Working Pattern: Our work style is hybrid, which involves spending at least two days per week, or 40% of your time, at our above offices.

About This Opportunity:

Join Lloyds Banking Group's Business and Commercial Banking division (BCB) as we redefine how businesses access Lending and Working Capital solutions across the UK. Our platform spans Lending, Asset Finance, Overdrafts, and Invoice Finance, helping businesses of all sizes optimise working capital, manage risk, and fund growth. Our products sit at the heart of BCB, driving innovation and supporting our purpose of Helping Britain Prosper.

As Commercial Director for Lending & Working Capital (L&WC), you'll lead financial performance and strategy, reporting directly to the Managing Director. You'll head a team of 10, aligning scorecards, board-level metrics, and Group priorities while driving planning, forecasting, and collaboration across Coverage, Finance, and Group Corporate Treasury. Acting as a key link between Product teams and partners, you'll nurture growth, operational excellence, and data-driven insight to deliver better outcomes for customers.

What you'll be doing:

Lead planning and revenue forecasting across L&WC acting as the first point of contact with Finance and key partners to produce accurate multi-year forecasts
Build enhanced forecasting and value analysis by client, segment and sector, using insights to sharpen decisions
Supervise performance trends and lead interventions that unlock sustainable growth and improve customer outcomes
Improve analytics and supporting data sets that underpin pricing and forecasting, including greater adoption of AI and tried machine learning from our platforms
Assess the impact of tactical and central initiatives, track benefits against budget and ensure assumptions remain sound
Be responsible for the relationship with Group Corporate Treasury, deputise for the MD at ALCOs, and lead discussions at Asset and Liability Pricing Committee and BCB Growth Forum to ensure pricing and liquidity processes are accurate and aligned

Why Lloyds Banking Group:

We're on an exciting journey to transform our Group and the way we're shaping finance for good. We're focusing on the future, investing in our technologies, workplaces, and colleagues to make our Group an excellent place for everyone. Including you.

What you'll need:

A strong background of senior leadership, with experience hitting commercial targets, leading teams and delivering or commercialising investment projects
Deep knowledge of L&WC products, with a curiosity to broaden expertise across the product set
Strong risk management and governance capability, able to identify, assess and mitigate risks with effective oversight and controls
Advanced financial and non-financial analysis skills, with the ability to turn insight into clear actions and measures
Strategic thinking and problem-solving ability, with experience improving operating models to develop competitive advantage
Excellent influencing and communication skills, with credibility up to Group Executive Committee level and a collaborative style that builds positive relationships

About working for us:

Our ambition is to be the top tier 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. And, 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: