Financial Services Strategy & Proposition Developer

bol

Utrecht

On-site

EUR 90,000 - 130,000

Full time

14 days+

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Benefits offered by this job

29 days to recharge

Public transport, car, parking covered

Pension plan: 75% premium covered

Annual sustainability bonus

Job summary

bol is building the next generation of Financial Services to delight customers and partners. As the FS Strategy & Proposition Developer, you shape bold ideas into real propositions, balancing customer needs, market opportunities, and regulatory constraints.

You'll work with product managers, engineers, designers, analysts, our internal incubator, and cross-functional leaders to ensure bol's FS delivers maximum impact.

Qualifications

5+ years of experience in proposition development, strategy, consulting, or customer research.
Strong understanding of payments, embedded finance, open banking, or related FS domains.
Ability to translate market opportunities into actionable roadmaps.

Responsibilities

Identify new FS propositions and business models to create customer and partner value.
Lead research to balance customer needs, market trends, and regulatory constraints.
Shape long-term FS strategy and develop roadmaps aligned with stakeholders.
Drive strategic projects from opportunity to business case and commitments.
Collaborate with product, tech, design, analytics, and executives to align direction.
Bridge customer needs, market opportunities, technical feasibility, and commercial viability.

Skills

Proposition development

Strategy

Consulting

Customer research

Financial Services

Job description

At bol, you turn financial opportunities into customer-loved propositions.

How do you make our customers happy?

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.

The biggest challenge

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

Why you can make a difference

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.

3 reasons why this is (not) for you

You'll enjoy this role if you are:

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

This role may be less suitable if you are:

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

Where you'll be working

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. 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.

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