10+ YOE AI Engineer choosing between Lloyds (Senior AI, 51L fixed + ~5% variable) and Optum SG28 (54L fixed+20% RRP, PF on top of fixed; Lloyds includes PF in fixed).Optum is financially stronger, so I’m assessing Lloyds primarily on engineering quality,growth,and stability.For current Lloyds engineers:Does the team own AI/Data platforms and architecture,Is the work production-focused and technically challenging? What’s the reality of WLB, growth to Staff/Principal roles, & stability?

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Choose optum if looking for a stable org. Lloyds for WLB and laid back env. Things move bit slow here

Don’t join Lloyds. There is nothing much good work here, rarely you find good projects. No work in AI projects too which I’m seeing in my co-team. Other than WLB nothing is good. Go for Optum, you will have immense work to learn as I’m former Optum employee.

Negotiate with llyods for 60 fixed. WLB wise it's good.

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