AI Product Owner, Credit Card

End Date

Thursday 14 May 2026

Salary Range

£61,344 - £68,160

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

Flexible Working Options

Hybrid Working, Job Share

Job Description Summary

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Job Description

JOB TITLE:  AI Product Owner – Credit Card

SALARY: £61,344 - £68,160

LOCATION(S): Chester or Manchester

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

The Credit Card Platform is looking for a Product Owner with strong AI experience to lead the design, shaping and execution of our bold Card Platform AI strategy. The Credit Card organisation is on a significant transformation journey, focused on supporting customers with flexible credit card solutions, responsible lending and sustainable growth, with data and AI acting as a fundamental enabler in better serving our customers.

Working in close partnership with Data and AI Strategy teams, you’ll drive the AI agenda across the Card Platform, collaborating closely with product, engineering and design colleagues to deliver transformative, customer‑led experiences. You’ll bring deep customer understanding and strong cross‑functional collaboration to shape a compelling product vision, with a relentless focus on measurable outcomes that genuinely improve lives. Inclusivity and resilience will be central to how you work, creating an environment where teams can thrive.

In this role, you’ll take ownership of driving AI and machine learning solutions that deliver tangible improvements to customer experience. You’ll build, prioritise and continuously refine a dynamic backlog of high‑value use cases, translating user needs into clear capabilities and behaviours that enable intuitive, end‑to‑end journeys. You’ll curate the knowledge and data required to support AI and agentic solution implementation, define clear success metrics, and maintain a continuous feedback loop to ensure value is delivered at pace and continuously improved. You’ll also find opportunities to strengthen existing business practices, contributing to the delivery of projects or workstreams within the organisation’s change programme, with guidance and support from senior colleagues.

Why join us?

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?

• 4 years Product Ownership experience in an agile environment with a proven ability to translate vision and user needs into prioritised backlogs, delivering iterative value using agile principles, collaborating effectively across engineering, data science, and business teams.
• 2 years experience in a product management role with a focus on developing AI/ML or data driven solutions, ideally within complex or regulated organisations
• Able to inform product decisions, interpret insights and use evidence to build decisions.
• Passion for the ‘why’ – you cut through complexity to focus on what matters most, bringing curiosity, resilience, and an open approach to new technologies like Gen AI and agentic systems.
• You’re an advocate and champion of ethical AI adoption, ensuring our people are equipped, engaged, and empowered to use emerging technologies confidently and responsibly.
• You’re comfortable working in an environment which is evolving and embracing the AI agenda, operating across multiple teams cross organisation, with levels of ambiguity

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 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 to make an impact? Apply today.

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.