L&WC Commercial Director

End Date

Salary Range

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

Flexible Working Options

Job Description Summary

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:

• A generous pension contribution of up to 15%
• An annual performance-related bonus
• Share schemes including free shares!
• Benefits you can adapt to your lifestyle, such as discounted shopping
• 30 days’ holiday, with bank holidays on top
• 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.