Product & Proposition Lead Credit Cards

About the Role
As Proposition Manager for our UK Credit Card business you will shape and deliver compelling card offers that drive acquisition engagement profitability and exceptional customer outcomes. Youll partner closely with Finance Commercial Credit Risk Product and broader cross-functional teams to turn customer insights market analysis and strong unit economics into differentiated propositions that meet regulatory standards and business targets.

Key Responsibilities
Product Strategy & Roadmap
Define prioritize and own the end-to-end Credit Card proposition backlog for the UK market
Translate customer needs competitive landscape and financial objectives into a clear multi-year roadmap

Commercial & Financial Performance
Set pricing and promotional structures to achieve annual new-business and profitability targets
Collaborate with Finance Credit and Commercial teams to model unit economics track P&L impact and optimize margin

Risk & Compliance Management
Partner with Credit Risk and Legal to ensure propositions comply with UK unsecured-lending regulations
Monitor Customer Outcome Indicators and risk metrics to identify emerging issues and mitigate potential harms

Market & Customer Insights
Conduct primary and secondary market research competitor benchmarking and ongoing customer feedback analysis
Use data-driven insights to identify new or iterate on existing features messaging and channel strategies that improve customer satisfaction

Cross-Functional Leadership
Lead product-lifecycle activities including discovery ideation requirements definition and post-launch value management
Influence senior stakeholders through concise briefings presentations and business cases

Required Qualifications & Skills
In-depth knowledge of unsecured-lending products and the UK credit-card market
Demonstrated expertise in risk management across credit conduct and operational dimensions
Solid understanding of UK regulatory framework for unsecured lending (e.g. CONC CCA)
Analytical and strategic thinking: Ability to analyze data interpret trends and translate strategy into actionable plans and initiatives.
Commercial acumen with a track record of developing and managing profitable propositions
Excellent verbal and written communicationable to simplify complex ideas for diverse audiences
Proven success leading product-life-cycle processes within a matrixed multi-stakeholder environment
Exceptional influencing skills with senior leaders and governance forums

Preferred Experience
5 years in proposition management commercial strategy or marketing of financial services products
Experience working in or alongside credit-risk and compliance functions