I suspect the right way to do it, would be to run a 60A circuit to a mini-panel, and run your three 20A circuits from that. You probably could get away with a 40A main circuit, but I don't know if you can find a 40A mini-panel. Keep in mind that, if you have an in-ground pool, your pump will probably require a 240V circuit (2 hot legs + ground) while the other circuits will be 120V (hot, common, ground).
Do NOT even think of using a ground as a neutral! I was nearly killed by an idiotic railroad signals engineer, who installed 120V circuit to light a community party, and pulled the safety ground off a 5HP pump to make the the neutral. The pump was resting on a non-conducting based (blocks), but the hot connections had been made with split bolts and *thin* electrical tape. The vibration wore through the tape and made continuous contact to the motor case. I provided a nice path to the wet concrete floor, when I put my hand on the motor to read the breaker! Fortunately, it was me, wearing fairly new walking shoes, and not one of the lifeguards, wearing flip-flops or even barefooted.
I do NOT know what NEC rules are concerning combining a pool light and convenience outlets on the same circuit. But you need to watch your loads. Incandescent pool lights can be 300W or 500W. I don't know what the in-rush current on an incandescent bulb is, but you might want to check, while you check NEC rules.
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