Head of Personalisation Data Strategy & Governance, Lloyds Banking Group

Saad Zafar is a data leader at Lloyds Banking Group, UK, specialising in data science, strategy, and governance within customer experience platforms. He leads initiatives at the intersection of AI, personalisation, and responsible data use, driving innovation and regulatory alignment at scale. Saad is passionate about unlocking customer insight through advanced analytics, enabling better decision-making and delivering customer-centric outcomes through strong cross-functional collaboration and a culture of continuous learning.