Manager – Consumer Lending Capital Optimisation

End Date

Monday 10 August 2026

Salary Range

£67,023 - £74,470

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

Flexible Working Options

Hybrid Working, Job Share

Job Description Summary

This role sits within the Consumer Lending Capital Optimisation team, supporting the delivery of improved capital efficiency and customer outcomes across a large and diverse portfolio.
You’ll be part of a collaborative, multi-skilled team working across a variety of initiatives including product design, customer strategy, portfolio optimisation and risk transfer. We operate in an agile way, meaning you’ll have the opportunity to build experience across different areas and develop a broad skill set over time.
This is a great opportunity for someone who enjoys problem-solving, working with others, and learning in a supportive environment.

Job Description

JOB TITLE: Manager – Consumer Lending Capital Optimisation

LOCATION(S): Leeds, Halifax, Chester, 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. Colleagues with disabilities can be supported with workplace adjustments including hybrid working expectations in line with our Flexibility Works policy.

What you’ll be doing

This is a great opportunity to join our Consumer Lending Capital Optimisation team, helping us improve capital efficiency and deliver stronger outcomes for customers across a large and diverse portfolio.

As a Manager in the team, you’ll work across a broad range of initiatives, including product design, customer strategy, portfolio optimisation and risk transfer. You’ll help analyse capital impacts, turn data into clear insights, and support decisions that shape how we optimise performance across Consumer Lending. You’ll also work closely with colleagues across Product, Risk, Finance and Treasury, building a strong understanding of how different areas come together to deliver better business and customer outcomes.

You’ll be part of a collaborative, multi-skilled team that works in an agile way, giving you the opportunity to build experience across different areas while contributing to meaningful capital optimisation initiatives. This role would suit someone who enjoys solving problems, working with others, and developing their technical and commercial understanding in a supportive environment.

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 a great place for everyone.

What we’re looking for

• 3+ years’ experience in financial services, an analytical role, a commercial role, or a related environment where you’ve worked with data, insight or business performance.

• 2+ years’ experience analysing information, drawing out key insights and using these to support decision-making.

• Experience working with financial, portfolio or capital concepts, with an interest in understanding how these support business and customer outcomes.

• Strong stakeholder management skills, including the ability to work collaboratively across teams and explain ideas clearly.

• Experience managing multiple priorities, balancing independent work with team-based delivery.

• Good organisation, attention to detail and a curious mindset, with a willingness to learn new areas.

And any experience of this would be useful:

• Experience working with Product, Risk, Finance, Treasury or portfolio optimisation teams.

• Exposure to capital optimisation, risk transfer, lending portfolios or customer strategy.

• Experience contributing to agile delivery or cross-functional change initiatives.

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.

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.