Assistant Manager - Direct to Consumer Innovation & Growth

Assistant Manager - Direct to Consumer Innovation & Growth Location

Manchester, Watford or Newport/Cardiff

Full time

Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at one of our office locations in Manchester, Watford or Cardiff (based in Newport until the Cardiff office opens later in 2026).

The Direct to Consumer Innovation & Growth team sits at the forefront of the fast‑paced Transport Experience & Insight area. We focus on driving sustainable growth in Online Car Finance (OCF) and now have an expanded remit that includes broader mobility ecosystems — including the soon‑to‑launch Retail Mobility Hub within the Lloyds Banking app.

It’s an exciting time to join us. Backed by strong commercial performance and ambitious future plans, we’re growing the team to deliver new propositions and shape the next generation of mobility experiences.

Launched in 2015, OCF became the UK’s first fully digital car finance journey. Today, we support Lloyds Bank, Halifax, and Bank of Scotland customers with seamless end‑to‑end experiences — from financing a car, switching existing finance, or leasing a brand‑new vehicle, all within their banking app. After becoming the first UK bank to launch Personal Contract Hire in 2023, we continue to innovate with bold investments in new journeys and products.

OCF new lending grew 28% in 2025 and 300% over the last five years — and we plan to go further.

Looking ahead, we’re preparing to launch a pre‑loved leasing proposition and a mobility hub that will redefine how customers interact with transport services. As part of the wider Transport Experience & Insight team, you’ll influence key critical initiatives and play a role in shaping the Group’s broader transport vision.

While we sit within Transport, much of our work spans Retail, Consumer Lending, and Consumer Relationships. We collaborate with teams such as Demand Engagement, BMX, Customer Affordability & Data (CA&D), Credit Risk and Customer Propositions, plus multiple Platform teams.

• Using data and insight to uncover opportunities that improve customer experience and deliver value growth — focusing on P&L metrics and customer demographics.
• Integrating AI use cases into trading, data, and back‑office processes.
• Supporting the P&L through strategies that drive growth and reduce costs.
• Acting as SME on OCF data and related areas, including owned and paid channel performance.
• Using storytelling to turn data‑driven insights into compelling visions for change.
• Applying data to support decisions, performance understanding, and business case creation.
• Demonstrating knowledge of upcoming internal and external propositions to find opportunities.
• Providing SME support for implementing new initiatives and requirements.
• Embedding Consumer Duty principles into performance design and team plans.
• Collaborating with stakeholders to solve customer and colleague challenges.
• Building strong relationships across Transport, Platforms, LBG products, BMX, CCOR, Legal, and Credit Risk teams.

• Data‑driven approach: Ability to use data to find opportunities, understand commercial performance, and shape customer‑focused change.
• Change delivery: Proven ability to design and deliver improvements that enhance customer experience and drive measurable commercial outcomes.
• Technical capability: Confidence working with bank data systems (e.g., GDW, GCP) and tools such as Excel, SQL, SaaS analytics platforms or Power BI, or willingness to train in coding techniques.
• Influencing & stakeholder management: Strong interpersonal skills with the ability to collaborate across diverse teams and influence decision‑making.
• Communication excellence: Skilled in presenting insights, recommendations and narratives clearly and compellingly to team members.
• Digital awareness: Understanding of digital journeys (e.g., onboarding, optimisation) and how to use insight to improve them.

• Industry insight: Familiarity with consumer or motor finance markets.
• Commercial understanding: Ability to interpret commercial…