Loans Pricing Manager

End DateFriday 14 August 2026Salary Range£61,344 - £68,160We support flexible working – click here for more information on flexible working optionsFlexible Working OptionsHybrid Working, Job ShareJob Description Summary.Job DescriptionJOB TITLE: Loans Pricing Manager - Unsecured LendingLOCATION(S): Edinburgh, Leeds, Chester, CardiffHOURS: Full-timeWORKING 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 doingThis is a chance to help shape the pricing strategy for the UK’s largest personal loans provider, supporting customers to borrow responsibly while helping the business grow in a fair, sustainable and commercially disciplined way.Lloyds Banking Group is the UK’s number one provider of personal loans, with 24% stock market share and £11bn of customer balances. Our Loans business has grown consistently over recent years, and we have ambitious plans to continue growing balance sheet, market share, income and profit across our six-year operating plan.As Loans Pricing Manager, you’ll play a key role in optimising customer pricing across Lloyds, Halifax, Bank of Scotland and MBNA, as well as our own and third-party digital channels. You’ll use data, analytics, market insight and commercial judgement to shape pricing decisions that deliver fair value for customers, support responsible lending and remain within risk appetite.You’ll own and develop our “best in class” loans pricing strategy, leading front-book margin planning and individual customer pricing using advanced analytics and pricing models. You’ll also work closely with senior leaders across Loans, Credit Risk, Finance, Treasury and our third-party partners to develop pricing recommendations, secure approvals and influence the wider commercial agenda.You’ll be responsible for maintaining a clear view of front-book profitability, including funding costs, expected loss rates, cost assumptions, capital impacts and wider market dynamics. You’ll also own pricing and profitability forecasts, covering lending, balance sheet growth, market share and margin outlook.Why join us?If you think all banks are the same, you’re wrong. We’re a pioneering, fast-changing business that’s shaping finance as a force for good. If you’re after a role where you can have an impact and do the best work of your career, you’ve just found it.What we’re looking for3+ years’ experience in pricing, commercial analytics, credit risk, financial services analytics, or a highly numerical commercial role, with a strong understanding of financial performance drivers, profitability and margin management.3+ years’ experience using data, insight and analytics to shape commercial recommendations, influence decisions and identify opportunities that balance customer outcomes with busi...