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About the Role

The Head of SME & Mid Markets Business Support Unit leads the management of SME and Mid Markets clients in financial difficulty, predominantly UK businesses with turnover of up to £500m. The role is accountable for delivering effective client treatment, restructuring, recovery and exit strategies, balancing fair customer outcomes with protection of the Bank’s financial and reputational position. This role provides senior leadership and judgement across complex and material credit cases and portfolio risks, ensuring effective operation of delegated credit authorities and timely impairment and write-off decisions. It also sets the strategic direction and operating model for SME & MM BSU, working closely with senior leaders across Risk and the business.

Responsibilities

Lead SME & MM BSU, ensuring clients in financial difficulty are identified early and managed through appropriate client treatment, restructuring, recovery, or resolution plans.
Deliver fair and sustainable client outcomes by balancing customer treatment, commercial considerations, regulatory obligations, and safeguarding the Bank’s position.
Provide senior oversight and challenge on complex cases, including impairments, write-offs, and other delegated credit decisions.
Define the SME & MM BSU strategy and operating model in alignment with Group strategy, risk appetite, and regulatory and conduct requirements.
Provide strategic portfolio oversight, identifying emerging and developing risks and taking timely management action, including proactive impairment recognition.
Lead transformation, driving improvements in operational efficiency and the use of technology, data, and ways of working.
Build and lead a high-performing team and maintain effective relationships with senior internal and external collaborators.

Requirements

Extensive credit risk experience across complex portfolios, with deep expertise in financial distress, restructuring, impairment, and write-offs.
Strong strategic and commercial judgement, balancing risk appetite, customer outcomes, growth, and regulatory expectations.
Experience operating credit delegated authority, risk policy, and governance frameworks, with the ability to make high-quality decisions in complex and ambiguous situations.
Demonstrable senior leadership experience, aligning credit strategy with wider organisational objectives and delivering across business boundaries.
Strong collaboration and influencing skills, with the credibility to engage senior executives, regulators, and external partners.
Ability to use data, analytics, and portfolio insight to identify emerging risks and support forward-looking risk management.
Proven success in leading high-performing teams, building specialist and future capability and delivering significant transformation and cultural change.

Skills

Data analysis
Portfolio insight
Collaboration
Influencing
Strategic leadership
Commercial judgement
Credit risk management
Financial distress management
Restructuring
Impairment
Write-offs
Risk policy
Governance frameworks
Transformation leadership
Technology utilization
Data utilization
Change management

Location

London
Birmingham
Leeds
Edinburgh

Work Type

Hybrid Working
Job Share

Experience Level

Senior leadership
Extensive credit risk experience

Salary/Compensations

£0 - £0

Benefits

Generous pension contribution of up to 15%
Annual bonus award, subject to Group performance
Share schemes including free shares
Benefits adaptable to lifestyle, such as discounted shopping
30 days’ holiday, with bank holidays on top
Range of wellbeing initiatives
Generous parental leave policies

About the Company

Lloyds Banking Group is 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 are 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.
Our ambition is to be the leading UK business for diversity, equity and inclusion, supporting our customers, colleagues and communities. We are committed to creating an environment in which everyone can thrive, learn and develop.
We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns.
We provide reasonable adjustments throughout the recruitment process to reduce or remove barriers.

Equal Opportunity

We support flexible working – click here for more information on flexible working options
Colleagues with disabilities can be supported with workplace adjustments including hybrid working expectations in line with our Flexibility Works policy.
We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and launch a dedicated Working with Cancer initiative.