Financial Services Strategy & Proposition Developer

bol; Utrecht; Hybrid; EUR 65.000 - 85.000; Full time

Job summary

A leading financial services provider in Utrecht is seeking an FS Strategy & Proposition Developer to shape financial services that improve customer experiences. The ideal candidate will leverage their extensive expertise to identify new business models and enhance existing propositions. Collaborating across diverse teams, you will navigate regulatory constraints and customer needs to drive innovation. This role offers flexible working arrangements and a dynamic work environment.

Benefits

Flexible working arrangements

Creative work environment

Travel expenses reimbursement

Qualifications

• 5+ years of experience in proposition development, strategy, consulting, or customer research.
• Extensive expertise in Financial Services, payments, and embedded finance.
• Strong business acumen and ability to navigate ambiguity.

Responsibilities

• Identify and develop new FS propositions and business models.
• Spot opportunities to improve existing Financial Services propositions.
• Lead strategic projects and generate organizational commitment.

Skills

Proposition development

Financial Services expertise

Customer research

Strategic thinking

Data analysis

Job description

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 brand-new FS Strategy & Proposition team, reporting to the Director of FinTech. 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.

Your key 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 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

• 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

• 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

Where you’ll work

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 brand-new FS Strategy & Proposition team, you’ll report to the Director of FinTech 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 FinTech leadership and a real impact on millions of customers. Ready to turn financial opportunities into highly regarded propositions?

Perks of having a blue heart

Flexible working

We bring the best of both worlds together by working 50% at the office and 50% at home. This way, we find a balance between organisational and individual needs.

The culture and the office

Our colleagues work hard to make the daily lives of our customers easier and more fun. But of course, we do this in an inspiring and creative environment!

Travel expenses

Whether you travel by public transport or car, we’ve got you covered with reimbursement and electric car charging facilities.