Frances Cassidy is Head of Strategic & Technology Partnerships at Lloyds Banking Group, leading initiatives that drive innovation across the intermediary mortgage market. She is passionate about shaping the future of the UK housing market, with a focus on generative AI, digital transformation, and collaborative ecosystems.

Frances joined Lloyds from Barclays UK and has held roles at Kensington Mortgages, Principality Building Society, and Countrywide.

Frances lives in Hertfordshire with her husband and two children, has a passion for house building and is a certified sommelier.