James is an Economics graduate from the University of Birmingham, and joined Lloyds Banking Group on its Finance Graduate Programme. In October 2021, James won the ‘Audience Award’ at the Chartered Banker Institute’s Young Banker of the Year Competition for his idea for a Sustainable Savings Account. In recent months, James has worked in the Mortgage Intermediary Distribution Development team where he monitored changes within the intermediary market, and considered strategic responses to the evolving market. James has now started a new role working in Group Strategy where he is involved in group wide strategic planning and competitor analysis.