Jake Bailey serves as the Head of Innovation & Loyalty at Tesco Bank, a role held since August 2014, overseeing proposition development and the strategy for Clubcard. Prior experience includes leadership in payments innovation and strategy across Tesco and Lloyds Banking Group, where significant contributions were made in mobile commerce and transaction banking. With a career spanning over 15 years in the financial services sector, Jake Bailey has consistently focused on customer-centric product development and strategic initiatives to enhance payment solutions. Educational background includes attendance at Forres Academy from 1992 to 1998.