Lloyd studied at the Royal College of Music in London, and later at the Royal Northern College of Music in Manchester, where he graduated with distinction under the tutorledge of Paul Janes. He has performed at many prestigious venues including St Martin in the Fields and St James' Piccadilly in London, the Colston Hall and St George’s Brandon Hill in Bristol, and the Symphony Hall in Birmingham. He recently made his concerto debut playing Martin Ellerby's 'Cabaret Concerto' with the Grimethorpe Coillery Band at the Royal Northern College of Music, and was also highly commended in the college's own concerto competition in 2010. He recorded his debut CD of piano music by Bortkiewicz in 2008 with Amemptos Music to great critical acclaim, and has recently recorded a disc of solo piano music by Alkan, whilst includes two premiere recordings, one of which being the legendary 'Scherzo Focoso', thought for many years to be virtually unplayable.

Lloyd received tutorledge from Niel Immelman and John Byrne whilst at the Royal College of Music, and has benefited from masterclasses with a number of distinguished artists, including Stephen Hough, Bernard d’Ascoli and Graham Scott.

In addition to working as a soloist, Lloyd is frequently in demand as an accompanist and at present works at the Northern Ballet School in Manchester. He has worked on a wide range of repertoire, with styles as diverse as baroque opera, German lieder and Cole Porter. Between November 2007 and July 2008, he held the post of accompanist to the Bristol Schools Chamber Choir, which has a national reputation as one of the country's leading youth choirs. He has also accompanied at Australia House and the Royal Academy of Music in London, and at St George’s Brandon Hill and the Colston Hall in Bristol.

Lloyd is also a composer, and writes 'tuneful and tonal' works ranging from short solo pieces and 'a capella' motets to large scale choral and orchestral material. He often performs his own piano music in recitals, and one of his motets appears on the CD 'Excelsior' which has recently been released by Amemptos Music.