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Digital Currency & Innovation, Senior Manager

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Digital Currency & Innovation, Senior Manager in UK

  • Lloyds Banking Group
  • Full time
  • Email

Lloyds Banking Group is the UK's biggest Retail, Digital and Mobile bank with over 30 million customers and a big responsibility to help Britain Prosper.


We're in the middle of a £3bn investment into our People, Platforms and Data - with a Software Engineering led approach, all as part of our strategy to become the best bank for customers. And it's the role of our Chief Information Office (CIO) who provide the backbone and infrastructure upon which this bank of the future will sit.


Want to know more?

The Payments Liquidity & Settlement team is part of Payments Industry and Development, a newly formed business unit within Group Chief Information Office (GCIO). Predominantly responsible for intraday payments liquidity and settlement risk to facilitate the Group's participation across payments systems, schemes, global network of bank relationships and, as we look towards the future, digital currencies.


The outlook for digital assets has shifted markedly as a number factors have converged to make them ready for the possibility of wider adoption. Regulatory clarity is improving whilst central banks are actively exploring digital currencies. 86% are running pilots, and certain geographies, e.g. China, are close to going live.


The technology continues to evolve rapidly with the potential for it to be incorporated into traditional financial services. As a business, we must keep pace with this change and explore opportunities in digital currencies that will impact the speed in which payments settle, derive liquidity benefits and support the expansion of payment services for banks. There is also the potential to extend this offering to our customers


We are looking for a team player with influential partnering skills and a background in payments services. The ability to work creatively and independently to promote the adoption of cutting-edge technologies and identify new strategic opportunities. Explore investment chances to define our product proposition, write internal communication briefs, and articulate market insights into central bank digital currency, cryptoassets and stablecoins to inform our Group's Payments Strategy.


What would you be doing?

Your accountabilities will include;

  • Lead our external relationship with Fintech partners and work collaboratively to progress the development of distributed ledger technology (DLT).

  • Collaborate with project teams to oversee key payment activities including governance, compliance and architecture design. Work across multiple divisions, including Commercial, Group Chief Information Office and Transformation.

  • Identify and overcome emerging issues, risks and identifies potential causes that require engagement with key partners to overcome barriers.

  • Develop payments use cases and initiate business or investments orientated around the use of digital currencies.

  • Provide market insight and analysis by identifying and prioritising opportunities, write informative and insightful recommendation papers for senior and executive consideration.

  • Inform our Payments Strategy team and the associated working groups that advance our thinking.

  • Proactively build and maintain external and internal networks to ensure the best strategic insight in digital payments is sourced for the Group, its customers and our colleagues.

  • As relationship lead, the role is responsible for working with Group Equity Investments on future investment opportunities, cementing our position as a leading UK bank supporting innovative payment solutions.


About you;

  • Payments product and process knowledge.

  • First-hand experience and knowledge of digital/crypto currencies and related technologies.

  • Financial Services, banking, organisational and market awareness.

  • An understanding of the IT and payments landscape and upcoming change - be it internally driven or external.

  • Communicate complex ideas, proposals, issues and implications in a concise way to colleagues at all levels and to a range of business partners.

  • Analytical skills to build the evidence base for clear decisions in complex situations.


What would you get in return?

You'd get an extensive Reward package that includes ;

  • A performance related discretionary bonus

  • Generous pension contribution

  • 30 days leave plus bank holidays

  • A flexible cash pot (4% of base salary) to spend on benefits

  • Private health cover

  • Wider corporate benefits and perks


We're dedicated to giving you opportunities and support to develop you both expertly and personally to optimise your potential.


As a new colleague, you'll join us on our journey to build a 21st century bank that reflects modern Britain, and craft an inclusive culture where all colleagues feel encouraged and valued.

We're committed to building a workforce which reflects the diversity of the customers and communities we serve, and to building an inclusive environment where all our colleagues can be themselves and succeed on merit. We support the principles of agile working and are happy to consider flexible working arrangements. We're an equal opportunity employer and deeply value diversity within our organisation.

Location: Birmingham, West Midlands or Remote
Reference: 055921_1628860273

£59,040 - £87,600

Lloyds Banking Group

Lloyds Banking Group plc is a major British financial institution and it's a financial services group providing a range of banking and financial services, primarily in the United Kingdom, to personal and corporate customers. Lloyds is the biggest mortgage lender and retail bank in the UK.