UK Credit Card Propositions Lead

JPMorganChase; Greater London; On-site; GBP 120,000 - 170,000; Full time

Job summary

JPMorganChase in the UK is seeking a Head of Credit Card Proposition to lead the end-to-end Credit Card strategy for the UK market, including pricing, features and customer experience. You will drive a multi-year roadmap and partner with finance, risk and commercial teams to optimize profitability.

You will influence senior stakeholders, ensure regulatory compliance and deliver customer-centric, profitable propositions at scale within our Chase UK digital bank.

Qualifications

• 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.

Responsibilities

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

Skills

Unsecured lending knowledge

Risk management

UK regulatory framework

Analytical thinking

Commercial acumen

Communication

Stakeholder influence

Product lifecycle leadership

Job description

JPMorganChase in the UK is seeking a Head of Credit Card Proposition to lead the end-to-end Credit Card strategy for the UK market, including pricing, features and customer experience. You will drive a multi-year roadmap and partner with finance, risk and commercial teams to optimize profitability.

You will influence senior stakeholders, ensure regulatory compliance and deliver customer-centric, profitable propositions at scale within our Chase UK digital bank.