Managing Director - Consumer Banking

Lead Lloyds' consumer banking capability and delivery from India: own and scale the technology, product, operations and digital capabilities supporting retail banking journeys (current accounts, savings, cards, lending, mortgages, digital channels) and drive customer, cost and growth outcomes.

Key responsibilities

• Set the India strategy for consumer banking aligned to the Group's retail strategy and the UK business leadership.
• Lead product engineering, digital channels (mobile, web), payments, lending, cards, mortgages and servicing platforms delivered from India.
• Drive digital transformation, journey redesign, simplification and modernization of core and channel platforms.
• Own end-to-end delivery governance, quality, release management, and operational resilience of consumer banking services.
• Partner closely with UK retail business, product, operations, risk, financial crime and regulatory teams; deliver on conduct, Consumer Duty and customer-outcome expectations.
• Improve customer experience and operational efficiency using automation, data and AI.
• Manage budget, workforce planning, vendor strategy and cost-to-serve targets.
• Build leadership bench and a customer-centric, product-led culture.

Qualifications and experience

• 18+ years of experience in retail or consumer banking, with 8+ years in senior leadership running large product, technology or operations organizations.
• Proven delivery of consumer banking transformation (digital journeys, core modernization, payments, lending or cards).
• Strong understanding of retail banking products, customer journeys and conduct/regulatory requirements (Consumer Duty, PSD2/Open Banking exposure a plus).
• Experience leading large teams (500 to 1,000+) and managing multi-year, high-value programmes.
• Experience working with UK or European retail banks strongly preferred.