United Kingdom · Learning and development · Director/VP (16-20 years)

Director, Talent & Leadership Development

Here is the whole job, in plain words. What it is, what you decide, how you're judged, how people get here and where they go next. Then the part no course gives you: twelve AI tutors who learn your work.

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  • Experience bandDirector/VP (16-20 years)
  • Direct reports25-100+ reports
  • Reports toChief People Officer
  • UK framework levelUsually a director, accountable for a division and its numbers

Also advertised as VP, People Development · Head of Learning & Organisational Development · Global Head of Talent Development

Built on 43,079 real UK job descriptions we analysed · grounded in qualifications employers recognise

1From this job to a course

The qualifications matched to this job

OTHM Level 7 Diploma in Data Science OTHM Qualifications · Level 7 · covers 2 of 10 standards
NQual Level 5 Certificate in Leadership and Management NQual · Level 5 · covers 1 of 10 standards
NCC Education Level 5 Extended Diploma in Computing with Data Science NCC Education Limited · Level 5 · covers 1 of 10 standards
Level 6 Award in Data-led Decision Making Institute of Sales Professionals · Level 6 · covers 1 of 10 standards
NCFE CACHE Level 5 Diploma in Advanced Playwork (Wales) NCFE · Level 5 · covers 1 of 10 standards

Matched from the standards this job is measured against: a suggestion, not an official ruling.

The units you would start with

Data Science Foundations OTHM Level 7 Diploma in Data Science
Principles of leadership and management NQual Level 5 Certificate in Leadership and Management
Introduction to Data Science and Big Data NCC Education Level 5 Extended Diploma in Computing with Data Science
Data-led Decision Making Level 6 Award in Data-led Decision Making
Apply the Concepts of Data Science to Computer Engineering NOCN Level 5 Diploma in Computer Engineering (Information Technology and Data Science)
Provide learning opportunities for colleagues NCFE CACHE Level 5 Diploma in Advanced Playwork (Wales)

The future skills this job leans on

AI Fluency working with AI as a thinking partner
Data Fluency turning numbers into a decision
AI Governance Fluency using AI responsibly
Automation Fluency building AI into how work runs
Foresight Fluency seeing round the corner
Your Plan Illustration

Built for Director, Talent & Leadership Development

6 units that map to this job, from the qualifications that cover it.

  1. Data Science Foundations OTHM Qualifications · covers 2 of 10 standards Level 7
  2. Principles of leadership and management NQual · covers 1 of 10 standards Level 5
  3. Introduction to Data Science and Big Data NCC Education Limited · covers 1 of 10 standards Level 5
  4. Data-led Decision Making Institute of Sales Professionals · covers 1 of 10 standards Level 6
  5. Apply the Concepts of Data Science to Computer Engineering NOCN · covers 1 of 10 standards Level 5
  6. Provide learning opportunities for colleagues NCFE · covers 1 of 10 standards Level 5
These are the real units behind this job, in the order they rank for it. Nothing here is marked done, because this plan has not been started by anyone yet. Yours would fill in as you go.

2AI and this work

Will AI change your work as a Director, Talent & Leadership Development?

Nobody can say exactly how. Here is what this job is being asked for next, and where to start.

The new skills this role is being asked for

  • AI-Driven Personalisation at Scale
  • Workforce Planning with Predictive Analytics
Why each one is rising

The future skills this job leans on

We'll only ever tell you what we can actually back up. No hype, no scare tactics.

What happens when you start

Next, a free account. We build your Director, Talent & Leadership Development plan as you set up, starting with a Future Fluency module on using AI in your job. No card.

Your first Future Fluency module is free. After that, your AI tutor is £70 a month.

3What this role really is

A Director of Talent and Leadership Development shapes leadership across an organisation, building the pipeline of skills and people needed for the future.

4What you'd actually use

The tools this job runs on, and how well you'd need to know each one.

BetterUp / CoachHub (or similar Enterprise Coaching Platform) Strategic

Leading vendor selection, negotiating enterprise contracts, defining global usage strategy, integrating platform data with HRIS for strategic insights.

Cornerstone OnDemand / Degreed (or similar Enterprise LMS/LXP) Architect

Governing the entire learning ecosystem, making build-vs-buy decisions on content, aligning platform capabilities with the overarching L&D strategy.

Culture Amp / Qualtrics (or similar Enterprise Feedback & Analytics) Strategic

Designing the enterprise listening strategy, presenting findings to executive leadership to influence talent decisions, linking development data to engagement scores.

Asana / Monday.com (or similar Enterprise Project/Portfolio Management) Strategic

Managing the entire L&D project portfolio, allocating resources across strategic initiatives, reporting on portfolio health and ROI to the C-suite.

Microsoft Excel / Google Sheets (Advanced Modelling) Strategic

Modelling the financial impact (ROI) of development programmes for business cases presented to the CFO, forecasting long-term talent costs and benefits.

Tableau / Power BI (Enterprise Dashboards) Strategic

Defining the key metrics for the entire Talent function, overseeing the creation of executive-level dashboards for Board reporting and strategic decision-making.

Slack / MS Teams (Enterprise Communication Strategy) Strategic

Developing the internal communication strategy for all L&D initiatives, ensuring consistent messaging and branding across the organisation, and fostering communities of practice at scale.

5What you get to decide, and how that grows

Power in a job isn't your title. It's what you're allowed to decide. Here's how it grows as you move up.

The choiceComing in Where you are nowThe step above
Strategic Programme Investment N/A (Escalate to Manager) N/A (Propose to Senior/Lead) Recommend and build business case for programmes up to £250K (requires Director approval)
Organisational Design (L&D Function) N/A N/A Suggest minor team structure adjustments to Lead/Manager.
Key Vendor Selection & Negotiation N/A (Research options for Manager) N/A (Evaluate options for Senior/Lead) Recommend preferred vendors for specific programmes (up to £50K contract value).
Talent Policy & Philosophy N/A N/A Propose minor improvements to existing programme policies.

6How you'll be judged

The scoreboard, and what is not on it. The hard targets, how often each is actually looked at, and the quiet signals that never reach a dashboard.

Leadership Capability Index (LCI) Improvement
The overall improvement in our internal leadership capability scores, as measured by 360-degree feedback and talent assessments.
Target · Achieve a 10%+ increase in average LCI scores across target leadership cohorts annually.

After implementing the new Executive Coaching programme, the average LCI score for participants rose from 72% to 80% within 12 months, indicating an 8 percentage point improvement.

High-Potential Employee Retention Rate
The percentage of our identified high-potential employees who remain with the organisation year-on-year, particularly those engaged in your development programmes.
Target · Maintain a 95%+ retention rate for high-potential employees in leadership development programmes.

In Q2, 98% of our 'Future Leaders' cohort were still with us, compared to an 88% retention rate for high-potentials not in a structured programme. That's a clear win.

Internal Promotion Rate for Leadership Roles
The proportion of leadership vacancies filled by internal candidates who have progressed through our development pathways, rather than external hires.
Target · Increase internal fill rate for leadership roles by 15% over three years.

Last year, 65% of our Senior Manager roles were filled by internal candidates, up from 50% three years ago, directly linked to our enhanced leadership pipeline.

Succession Readiness Bench Strength
The percentage of critical leadership roles that have at least two 'ready now' or 'ready in 1-2 years' successors identified and actively developed.
Target · Ensure 80% of critical leadership roles have a robust succession plan with at least two ready candidates.

Our Q3 talent review showed 85% of our VP roles now have at least two identified successors, a significant jump from 60% two years prior.

Development Programme ROI (Phillips Level 5)
Quantifiable financial return on investment for key leadership development initiatives, linking programme costs to business benefits.
Target · Demonstrate a positive ROI (>£1.00 for every £1.00 spent) for at least two major leadership programmes annually.

The 'Transformational Leadership' programme cost £500K, but led to a documented £1.2M in improved team productivity and reduced project overruns, yielding a 2.4x ROI.

C-Suite & Board Confidence
The level of trust and confidence that the executive team and Board of Directors place in the organisation's talent development strategy and your ability to deliver.
  • You're regularly invited to present at Board meetings on talent strategy. Your recommendations for investment in new programmes are typically approved without significant pushback. Senior leaders proactively seek your counsel on talent challenges, rather than just informing you of decisions.
Organisational Culture Impact
The extent to which our development initiatives foster a culture of continuous learning, psychological safety, and growth across the business.
  • Internal surveys consistently show high scores for 'growth opportunities' and 'support for development'. Employees at all levels talk openly about their coaching experiences. Your programmes are seen as highly desirable and prestigious, not just a tick-box exercise.
Strategic Influence & Thought Leadership
Your ability to shape the broader HR and business strategy through insights from talent development, positioning you as a key voice at the executive table.
  • You're contributing to discussions beyond L&D, for example, on organisational design or M&A integration. External partners and industry peers recognise your expertise, perhaps inviting you to speak at conferences. Your ideas are often adopted by the Chief People Officer and other C-suite members.

7Would you like it

Both sides. What people enjoy, and what grinds them down.

What people enjoy
Shaping the Future of Leadership

You'll spend your days thinking about how to prepare our leaders for challenges five years down the line, not just next quarter. This could mean researching future skills, designing bespoke executive programmes, or influencing our long-term talent strategy.

Leading a strategic review of our leadership pipeline to identify critical gaps for our 2030 vision, then designing a multi-year development roadmap to address them.

Driving Transformational Impact at Scale

You're motivated by seeing your strategies translate into real, measurable changes across thousands of employees. This means influencing policy, securing significant investment, and overseeing large-scale programme rollouts.

Successfully securing £5M in budget for a new global leadership academy, then seeing a measurable improvement in leadership effectiveness scores across 10+ countries.

Building and Empowering High-Performing Teams

You get a real buzz from leading, mentoring, and developing your own team of L&D professionals. You'll be coaching your managers, empowering them to take ownership, and creating a culture where they can do their best work.

Mentoring a new L&D Manager to successfully launch their first major programme, giving them the autonomy and support they need to shine.

What frustrates people
  • Getting C-suite buy-in for long-term strategic investments when short-term pressures dominate.
  • Navigating complex organisational structures and competing priorities across different business units.
  • The constant pressure to quantify the 'soft' impact of development with hard financial metrics.
  • Dealing with resistance to change from entrenched leaders or traditional mindsets.
  • Managing a large, diverse team with varying levels of experience and sometimes conflicting agendas.
What this role does not give you
  • A quiet, predictable, 'head-down' work environment. This is a highly visible, highly interactive role.
  • The ability to make unilateral decisions without significant consultation and buy-in.
  • An easy ride. It's challenging, demanding, and requires constant strategic thinking and influence.
  • A role where you're just executing. You're defining the strategy, not just following it.

8Who you work with

You'll be shaping the leadership DNA of the entire organisation. Your decisions directly influence our talent pipeline, succession planning, and how well our leaders adapt to market changes. Frankly, you're a critical part of our long-term competitive advantage. Get it right, and we'll have a reputation as a place where leaders truly thrive.

Inside the business
  • Chief Executive Officer (CEO)
  • Chief Financial Officer (CFO)
  • Business Unit Managing Directors (MDs)
  • Heads of HR Business Partnering
  • Board of Directors (for talent reviews)
Outside the business
  • Executive Coaching Firms
  • Leadership Development Consultancies
  • Industry Bodies (e.g., CIPD, ICF)
  • Academic Institutions for bespoke programmes

9What you need before you start

Not a wish list. The things you would be expected to already have.

  • Proven experience leading a significant L&D or Talent function (e.g., Head of L&D, Senior Manager of Talent Management) for at least 5-8 years.
  • Demonstrable experience managing a P&L of at least £1M, including budget forecasting, allocation, and cost control.
  • Extensive experience presenting to and influencing C-suite executives and/or Board members on talent strategy.
  • A track record of designing, launching, and evaluating large-scale, enterprise-wide leadership development programmes.
  • Experience leading and developing a team of L&D professionals, including managers and individual contributors.
  • Demonstrated ability to drive organisational change and cultural transformation through talent initiatives.

10What to practise next

Where the job is going, and what to do about it starting this week.

HR Tech Ecosystem Integration

Our HR tech stack is growing, and siloed systems create inefficiencies and poor data. You'll need to understand how to seamlessly integrate learning platforms, HRIS, talent management suites, and feedback tools to create a unified employee experience and comprehensive data insights.

API Management & Data Flow · Vendor Management (Technical) · Data Governance & Security

  • This quarter: Conduct an audit of our current HR tech stack and identify key integration gaps.
  • Next quarter: Work with IT and HRIS teams to map out our desired future state for HR tech integration.
  • Month 3-6: Lead a project to integrate a key learning platform with our core HRIS.
  • Month 7-12: Develop an enterprise-wide data governance framework for talent data.

Quick win: Identify one manual data transfer process between two HR systems and explore if an existing integration or automation tool could eliminate it.

Digital Transformation Leadership for L&D

The L&D function itself is undergoing a digital transformation. You'll need to lead your team through adopting new technologies, agile methodologies, and a digital-first mindset to deliver modern, impactful learning experiences.

Agile L&D Design · Experience Design (LX) · Digital Adoption Strategies

  • This quarter: Attend a workshop or course on leading digital transformation in HR/L&D.
  • Next quarter: Implement agile project management for one of your team's key initiatives.
  • Month 3-6: Launch a 'digital champions' network within your team to drive adoption of new tools.
  • Month 7-12: Develop a comprehensive digital learning strategy for the next 3 years.

Quick win: Encourage your team to use AI tools for daily tasks (e.g., drafting emails, summarising documents) to build comfort and capability with new technologies.

11Staying current once you are in

What people here do to keep up
  • Regularly attending executive leadership forums and industry conferences (e.g., World Economic Forum, HR Tech Conference).
  • Engaging in peer networking groups with other Directors/VPs of Talent/L&D to share insights and best practices.
  • Undertaking executive education programmes at top business schools (e.g., London Business School, INSEAD) focused on strategy, leadership, or organisational change.
  • Mentoring junior L&D professionals, as teaching often deepens your own understanding and keeps you current.
  • Publishing articles or speaking at industry events to establish thought leadership.

12The rising capability

The rising capability

Zavmo analysis

What's rising in its place

This is where the work is heading, and the higher pay with it. Get fluent here and the shift stops being a threat and starts being your edge.

AI-Driven Personalisation at Scale

Traditional one-size-fits-all programmes are becoming obsolete. AI allows us to offer truly personalised learning journeys for thousands of employees, delivering the right content, coaching, and experiences at the right time. Competitors are already experimenting with this, and it's a game-changer for engagement and impact.

  • Adaptive Learning Platforms
  • Personalised Coaching Nudges
  • Skills Taxonomy & Ontology
  • Ethical AI in Learning

Workforce Planning with Predictive Analytics

Simply reacting to hiring needs is no longer enough. We need to proactively predict future skill demands, identify potential talent shortages, and strategically develop our internal capabilities years in advance. This is critical for business resilience and competitive advantage.

  • Scenario Planning (Talent)
  • Predictive Modelling (Attrition/Skill Gaps)
  • Skills-Based Organisation Design
  • Data Visualisation for Workforce Insights

13What you’ll use

What you’ll use

Skills this role draws on

Technical

  • Enterprise Talent Strategy & Planning
  • Organisational Development & Design
  • M&A Integration (People Stream)
  • Advanced Programme Evaluation (Phillips ROI)
  • Executive Coaching & Mentoring Frameworks

14The pathway

The pathway

How you actually get there, here

How you become one varies far more by country than what one does. This is the UK route. Most people take one of these ways in; the right one depends on where you're starting from.

  1. 1

    Head of Learning & Development (from a large organisation)

    You'd usually spend 3-5 years in a similar 'Head of' role, managing a significant team and budget, before stepping up to a Director level here. It's about demonstrating scale and strategic impact.

    Skills to master

    • Enterprise-level budget management, executive stakeholder influence, multi-year strategic planning, leading large and diverse L&D teams.

    You're ready to move on when

    • Successfully led a major L&D transformation initiative across multiple business units.
    • Consistently delivered measurable business impact from development programmes.
    • Built and mentored a high-performing L&D management team.
    • Regularly presented to and influenced C-suite executives.
  2. 2

    Senior HR Business Partner (from a large, complex organisation)

    This path usually takes 5-8 years as a senior HRBP, where you've gained deep business acumen and experience advising senior leaders on talent issues. You'd need to have a strong interest and some experience in L&D.

    Skills to master

    • Deep business unit understanding, strategic workforce planning, executive advisory skills, a solid grasp of L&D methodologies and programme design.

    You're ready to move on when

    • Successfully advised MDs/VPs on complex talent challenges and organisational design.
    • Played a key role in developing and implementing talent strategies for a major business unit.
    • Demonstrated a passion for and understanding of leadership development principles.
    • Proven ability to influence without direct authority across various functions.
  3. 3

    Management Consultant (specialising in Talent/OD)

    Typically, 8-12 years in a top-tier consulting firm, focusing on talent, organisational development, or HR transformation. You'd be coming in with a broad view of best practices.

    Skills to master

    • Strategic problem-solving, client relationship management (internal equivalent), change management methodologies, designing and implementing large-scale talent solutions.

    You're ready to move on when

    • Led multiple large-scale talent/OD projects for diverse clients.
    • Developed and presented strategic recommendations to C-suite level clients.
    • Managed complex project teams and budgets.
    • Demonstrated ability to translate strategy into actionable implementation plans.

15Where this role leads

The long view: This role can lead to senior people leadership positions such as Chief People Officer, non-executive board roles, or independent consulting and coaching work.

The ten Future Fluencies

Zavmo analysis

The credential is what you can do today. These are what keep you valuable.

A qualification proves you can do the job as it's defined today. These ten are what decide whether you're still the obvious person for it in five years. They're the capabilities employers are now writing into senior roles faster than people are learning them. Zavmo weaves them through whatever you study, so you come out with both: the credential and the fluency.

The highlighted ones are the Fluencies your role leans on hardest, from how Director, Talent & Leadership Development is actually changing.

How you would learn this

One to one, on the work you already do

A tutor sets the task against your own job and marks the reasoning, at your pace. There is no cohort to fall behind.

A lesson from Data Science Foundations, worked against Director, Talent & Leadership Development.

Data Science Foundations Level 7

Applied to your work in Director, Talent & Leadership Development

1. To enable the learner to define the scope and landscape of Data Science and differentiate the roles of Data Scientists from other IT professionals. 2. To enable the learner to evaluate key topics within Data Science, including data administration, governance, and big data sources. 3. To enable the learner to describe the architecture and core elements of Apache Hadoop. 4. To enable the learner to analyse the advantages and disadvantages of utilising Artificial Intelligence techniques in a business context. 5. To enable the learner to critically analyse the impact of Big Data on digital transformation within organisations and its effects on users. 6. To enable the learner to review strategies for ensuring data compliance and explain the responsibilities and challenges faced by data specialists.

How the thinking builds
  1. 1 Remember
  2. 2 Understand
  3. 3 Apply
  4. 4 Analyse
  5. 5 Evaluate
  6. 6 Create
An illustration of a Zavmo lesson, built from this role’s own route. The unit, its objective and every criterion above are the awarding body’s own words, not an example.

It is £70 a month, billed monthly. Your free first module is Future Fluency, and you can cancel any time.

See Your Progress Grow Illustration
Director, Talent & Leadership Development
  • Enterprise Talent Strategy & Planning
  • Organisational Development & Design
  • M&A Integration (People Stream)
  • Advanced Programme Evaluation (Phillips ROI)
  • Executive Coaching & Mentoring Frameworks
This is your Mind Palace on learn.zavmo.ai. Every skill above comes from this role's own record, not an example borrowed from another job. A node lights up when you evidence it, and what you build stays yours between jobs. That is the part a course cannot do.

16The detail, folded away

Everything else the record holds

The career branches in full, how AI is already showing up in the day-to-day, and the questions people ask about this job. Here when you want them, out of the way while you decide.

Where it leads next, rung by rung

Where it leads

The career path, and where it branches

Director, Talent & Leadership Development is a start, not a ceiling. Each step below asks for new skills and hands back more autonomy.

  1. Chief Learning Officer (CLO) / VP, People Development (Global)

    Roughly 3-5 years in this Director role, demonstrating consistent, enterprise-wide impact and strategic leadership.

    This is typically a move to a C-suite or global VP role, with significantly broader scope and direct accountability for enterprise-wide talent strategy and potentially a larger P&L.

    • Enterprise-wide HR Technology Strategy Architecting the entire HR tech stack for a global organisation.
    • Advanced Organisational Design Leading major organisational restructuring initiatives.
    • External Representation & Thought Leadership Becoming a recognised industry voice on talent.
  2. HR Director / Chief People Officer (for a smaller, high-growth company)

    This could happen within 2-4 years, especially if you're looking to take on a broader, more generalist HR leadership role with full CPO accountability.

    This is a move to the top HR role in a company, with responsibility for all aspects of HR (Talent Acquisition, HRBP, Compensation & Benefits, etc.), often reporting directly to the CEO.

    • Compensation & Benefits Design Leading the strategy for rewards and recognition.
    • Employee Relations & Legal Compliance Overseeing all aspects of ER and employment law.
    • HRIS Implementation & Management Strategic oversight of core HR systems.
Working with AI on the job

Working with AI

Where AI is starting to help

Let's be real, at Director level, your time is precious. You shouldn't be bogged down in manual analysis or drafting routine communications. We're all about using AI to free you up for the truly strategic work—the stuff that only you can do.

Imagine having a personal AI assistant that handles the heavy lifting of data analysis, market research, and even drafting your initial board presentations. That's not a dream; it's how you'll be working here. We're integrating AI across our L&D function to give you back valuable hours every week, letting you focus on vision, influence, and impact.

Strategic Talent Analytics

Feed complex HRIS data, engagement survey results, and performance reviews into an AI tool. It'll quickly identify patterns, predict future talent gaps, and highlight key development areas across business units. No more wrestling with spreadsheets for days; get insights in minutes.

Market Trend & Competitor Analysis

Use AI research assistants to continuously scan the market for emerging leadership competencies, competitor development programmes, and best practices in talent management. Get concise summaries and actionable insights without spending hours trawling reports.

Board-Level Communication Drafts

Need to draft a compelling presentation for the Board on our succession readiness, or a strategic update for the C-suite? Use generative AI to create high-quality first drafts, outlining key arguments, data points, and even suggested visuals. You'll refine, not start from scratch.

Programme Portfolio Optimisation

Input data on programme costs, participant feedback, and business impact metrics. AI can then help you identify underperforming programmes, suggest resource reallocation, and optimise your overall development portfolio for maximum ROI. It's like having a strategic consultant on demand.

Common questions

Common questions

How do you become a Director, Talent & Leadership Development?

Common routes in include Head of Learning & Development (from a large organisation) (You'd usually spend 3-5 years in a similar 'Head of' role, managing a significant team and budget, before stepping up to a Director level here. It's about demonstrating scale and strategic impact.), Senior HR Business Partner (from a large, complex organisation) (This path usually takes 5-8 years as a senior HRBP, where you've gained deep business acumen and experience advising senior leaders on talent issues. You'd need to have a strong interest and some experience in L&D.) and Management Consultant (specialising in Talent/OD) (Typically, 8-12 years in a top-tier consulting firm, focusing on talent, organisational development, or HR transformation. You'd be coming in with a broad view of best practices.). Times vary with prior experience.

Where can a Director, Talent & Leadership Development progress to?

This role can lead on to Chief Learning Officer (CLO) / VP, People Development (Global) (Roughly 3-5 years in this Director role, demonstrating consistent, enterprise-wide impact and strategic leadership.) and HR Director / Chief People Officer (for a smaller, high-growth company) (This could happen within 2-4 years, especially if you're looking to take on a broader, more generalist HR leadership role with full CPO accountability.), depending on the skills you build.

What new skills matter most for a Director, Talent & Leadership Development?

Increasingly, AI-Driven Personalisation at Scale and Workforce Planning with Predictive Analytics. These are the skills our record of this role lists as growing.

Free tools

Want a read on where you stand?

Three free tools, no account needed. Each one ends with a role, a level and a way in.

17Where to go from here

Other roles at Level 7

Same depth of qualification, different job. Useful if the work appeals but this particular role does not.

More jobs in learning and development

Stay in the field you know and move sideways rather than up.

If you leave this industry

Skills in strategic talent development, executive influence and organisational change transfer well to other sectors. This can lead to similar director or executive roles in healthcare, manufacturing or the public sector, or into management consulting, executive coaching or academic work.

This role profile is © 2026 Growth Engineering Technologies Ltd. Built from UK occupational standards and regulated qualification data, and written for Zavmo.

You're not behind. You're right on time. The shift is only just beginning. Your role won't look the same in two years. Be the one who leads the change, not the one it happens to. Start my plan, free What happens next: a free account, then we build your plan as you set up. No card. Build your plan, see your roadmap and meet the twelve tutors matched to you. All free. When you're ready to start learning, it's £70 a month, billed monthly. Cancel any time and billing stops.