Product Analyst - Credit Cards

End Date

Friday 04 September 2026

Salary Range

£40,824 - £45,360

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

Flexible Working Options

Hybrid Working, Job Share

Job Description Summary

Do you have the skills, innovation and creativity to work within a data-led product team which develops propositions and products to meet our customers’ needs better and drive cards P&L growth? If so, we’d love to hear from you!

We are the Cards Product Development and Partnerships team which is the shaping the future of credit cards - building innovative products, launching partnerships like co-brand cards, and working closely with global networks like Visa and Mastercard. We own new propositions and partnerships from idea to launch, balancing commercial performance with great customer outcomes.

Reporting to the Analytics Manager, this role focuses on delivering insight and analytics, to help the Credit Card product function understand customer needs, behaviours, product performance and deliver against financial plans, whilst playing a pivotal role in our innovation agenda. Working closely with the credit cards commercial team and platforms as well as across key functional teams including Affordability, Customer Propositions, Everyday Banking, Customer Insights and Credit Risk, you'll play a pivotal role in our innovation agenda.

Job Description

JOB TITLE: Product Analyst - Credit Cards

LOCATION(S): Chester, Manchester or Cardiff

HOURS: Full time

WORKING PATTERN: Hybrid, 40% (or two days per week) in one of our office sites mentioned above

About This Opportunity

Do you want to shape the future of credit cards through data and insight? We’re looking for a Product Analyst to join our Credit Cards Product Development and Partnerships team, where you’ll help design innovative products, launch co-branded partnerships and improve experiences for millions of customers. This is a unique opportunity to combine data, product thinking and commercial insight in a role that directly influences customer outcomes and business growth.

Operating in a fast-paced, data-led environment, you’ll work across the full product lifecycle—from concept through to launch—helping to bring new propositions to life. You’ll play a key role in understanding customer behaviour, identifying opportunities for growth and ensuring that our products deliver the right balance of value for customers and strong commercial performance.

Working closely with colleagues across product, commercial, credit risk and customer insight teams, you’ll be at the centre of collaboration and innovation. It’s a role with real visibility, where your insights will directly shape decision-making and support our ambition to evolve and grow our credit cards business.

Essential Requirements

• Strong numerical and analytical skills, with experience interpreting complex datasets
• 2+ years hands-on experience with SQL and/or SAS in a commercial environment
• Experience using tools such as Excel, PowerPoint and data visualisation platforms (e.g. Power BI, Tableau, Looker)
• Proven ability to turn data into clear insights and communicate recommendations to stakeholders
• Experience influencing decisions and building consensus through strong communication skills

Desirable Skills/experience

• Experience working with credit cards, consumer lending or financial services products
• Exposure to partnerships, co-branded or affinity propositions
• Experience using AI tools such as Copilot or working within data-led product teams

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 we’re 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 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
• 28 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.