Product & Proposition Lead - Credit Cards

JPMorgan Chase & Co.; Greater London; On-site; GBP 70,000 - 90,000; Full time

Job summary

A leading financial services company seeks a Proposition Manager for the UK Credit Card business to shape compelling offers that drive customer acquisition and engagement. The role involves managing the credit card proposition backlog, ensuring compliance with regulations, analyzing market insights, and leading cross-functional teams. A deep understanding of unsecured lending products and strong risk management skills are essential. This opportunity is ideal for someone with extensive experience in commercial strategy within financial services.

Qualifications

• In-depth knowledge of UK credit-card market and unsecured-lending products.
• Expertise in risk management across various dimensions.
• Solid understanding of UK regulatory framework regarding unsecured lending.
• Ability to analyze data and interpret trends.
• Track record of developing and managing profitable propositions.
• Exceptional influencing skills in a multi-stakeholder environment.

Responsibilities

• Define and manage the end-to-end proposition backlog for the UK credit card market.
• Set pricing and promotional structures to drive profitability.
• Ensure compliance with regulatory standards for unsecured lending.
• Conduct market research and customer feedback analysis.
• Lead product-lifecycle activities and influence senior stakeholders.

Skills

Knowledge of unsecured-lending products

Risk management expertise

Analytical thinking

Commercial acumen

Excellent communication skills

Product-life-cycle leadership

Influencing skills

Job description

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. You’ll 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 communication—able 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