L&WC Commercial Director

Lloyds Bank plc; Birmingham; Hybrid; GBP 150,000 - 200,000; Full time

Job summary

A leading banking institution is seeking a Lending and Working Capital Commercial Director in Birmingham to lead financial performance and strategy. You will manage a team and drive planning, forecasting, and collaboration across various departments, focusing on innovation and improved outcomes for customers. The ideal candidate has a strong background in commercial leadership, risk management, and financial analysis, alongside excellent communication skills. A competitive benefits package is offered, including a generous pension contribution and performance-related bonuses.

Benefits

Generous pension contribution (up to 15%)

Annual performance-related bonus

Share schemes

30 days' holiday plus bank holidays

Wellbeing initiatives

Qualifications

• Strong leadership background with commercial target achievements.
• Experience in managing teams and delivering investment projects.
• Ability to identify and mitigate risks effectively.

Responsibilities

• Lead planning and revenue forecasting across L&WC.
• Supervise performance trends to unlock sustainable growth.
• Improve analytics and data sets for better pricing strategies.

Skills

Senior leadership experience

Knowledge of L&WC products

Risk management skills

Financial analysis

Strategic thinking

Influencing skills

Job description

L&WC Commercial Director page is loaded## L&WC Commercial Directorlocations: Birmingham: Edinburgh New Uberior House Head Office: Glasgow 110 St Vincent Street: Bristol Harbourside: London 33 Old Broad Streettime type: Full timeposted on: Posted Todaytime left to apply: End Date: January 29, 2026 (14 days left to apply)job requisition id: 150192**End Date**Wednesday 28 January 2026**Salary Range**£0 - £0**Flexible Working Options**Hybrid Working, Job Share**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**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.**With 320 years under our belt, we're used to change, and today is no different. Join us and help drive this change, shaping the future of finance whilst working at pace to deliver for our customers.Here, you'll do the best work of your career. Your impact will be amplified by our scale as you learn and develop, gaining skills for the future.