Financial Services Strategy & Proposition Developer

Bol.Com B.V.; Utrecht; On-site; EUR 90,000 - 120,000; Full time

Job summary

bol.com is seeking a Financial Services Strategy & Proposition Developer to turn opportunities into customer-loved propositions. You’ll bridge customer needs, market opportunities, and strategic execution to decide which FS propositions to build, how to position them, and what success looks like.

You’ll work with product, engineering, design, analytics, and leadership to turn bold ideas into real offerings.

Qualifications

• 5+ years of experience in proposition development, strategy, consulting, or customer research within Financial Services.
• Experience with payments, embedded finance, or open banking is preferred.
• Strong business acumen and ability to move between big-picture vision and practical execution.

Responsibilities

• Identify and develop new FS propositions and business models that create value for customers, partners, and bol.
• Spot opportunities to improve existing Financial Services propositions through customer research and data analysis.
• Shape long-term FS strategy and drive roadmaps that align product, tech, commercial, and leadership.
• Lead strategic projects from opportunity spotting to business case creation and organizational alignment.
• Bridge customer needs, market opportunities, technical feasibility, and commercial viability.

Skills

Strategic thinking

Financial Services experience

Stakeholder management

Analytical mindset

Job description

Financial Services Strategy & Proposition Developer

Turn financial opportunities into customer-loved propositions

By shaping Financial Services that genuinely improve the lives of 13.7 million customers. As FS Strategy & Proposition Developer, you spot opportunities to create real value - whether by improving existing services or by conjuring up entirely new ones. You'll bridge customer needs, market opportunities, and strategic execution, determining which FS propositions we build, how we position them, and what success looks like. From innovations in payments to embedded finance models, you ensure bol's Financial Services deliver maximum impact for customers, partners, and the business.

Financial Services can generate considerable benefits, but which opportunities should we focus on first? You'll navigate competing priorities: customer research beckons in one direction, market trends point another way, regulatory constraints limit our options, and internal stakeholders all have (very) strong, divergent opinions. To maximize your impact, you'll need to balance visionary thinking with pragmatic execution, creating strategies that inspire teams while remaining grounded in what's actually achievable.

What you'll do as FS Strategy & Proposition Developer

You'll join the FS Strategy & Proposition team. This team acts as the customer’s voice within Financial Services, spotting opportunities, shaping bold ideas into real propositions, and informing strategic decisions. You'll work closely with product managers, engineers, designers, analysts, our internal incubator, and cross‑functional leaders to ensure our Financial Services deliver the value we all expect and hope for.

This role combines strategic thinking with hands‑on proposition development. You'll dive into the Financial Services landscape, mastering data to understand customer behavior, partner needs, and market dynamics. Through customer research and outside‑in perspectives, you'll identify shortcomings in existing propositions and opportunities for new services to create step‑change value. You'll also help shape our long‑term FS strategy, translating market opportunities into roadmaps that align stakeholders from product teams to C‑level. In short, you'll navigate the challenges of innovating within Financial Services: balancing customer needs with regulatory necessities, finding the sweet spot between bold vision and practical execution, and creating propositions that flourish within bol's broader ecosystem.

• Identify and develop new FS propositions and business models that create value for customers, partners, and bol
• Spot opportunities to improve existing Financial Services propositions through customer research and data analysis
• Shape our long‑term FS strategy and help drive strategic choices and roadmaps
• Lead strategic projects, from identifying opportunities to writing business cases and generating organizational commitment
• Align diverse stakeholders across product, tech, commercial, and C‑level on strategic direction
• Bridge customer needs, market opportunities, technical feasibility, and commercial viability

You combine 5+ years of experience in proposition development, strategy, consulting, or customer research with extensive Financial Services expertise. Your background in payments, embedded finance, open banking, or related domains means you understand both the opportunities and constraints inherent in FS. You're a strategic thinker with strong business acumen who can move fluidly between big‑picture vision and tactical execution. Your superpower is navigating ambiguity and complexity without losing momentum. You bring an entrepreneurial mindset to a regulated space, finding ways to innovate within boundaries rather than treating compliance as a blocker.

• Strategic explorer

  You're energized by exploring uncharted territory. Spotting opportunities, testing hypotheses, and building conviction around new ideas? More, please!

• Multi‑perspective navigator

  You enjoy taking on different roles and looking at challenges from multiple angles to reach better solutions

• Impact driver

  You're joining to drive real innovation and customer value, not write strategic plans that gather dust

• Vision purist

  You believe strong intuition is enough to go on‑data, customer feedback, and stakeholder alignment just slow things down

• Solo operator

  You prefer working independently or exclusively with like‑minded people - diverse perspectives are nuisances

• Regulatory rebel

  You see compliance as bureaucratic roadblocks, not as guardrails that channel sustainable innovation

You'll join bol's Financial Services organization, where we're building the next generation of services that delight customers and partners. As part of the FS Strategy & Proposition team, you'll report to the Manager Financial Services Strategy and collaborate across product, tech, design, analytics, and commercial teams. Bol has evolved far beyond traditional retail; we're creating a smarter, more sustainable, and more relevant shopping experience. Financial Services is core to that vision, enabling seamless transactions, flexible payment options, and financial tools that help our ecosystem thrive. Your work will have direct visibility with bol leadership and a real impact on millions of customers. Ready to turn financial opportunities into highly regarded propositions?