Commercial Manager - Savings

Join us as a Commercial Manager - Savings where you'll be responsible for owning the commercial performance of the customer journey, focusing on how we attract customers, retain them for longer, and encourage continued product usage as offers mature. This includes analysing commercial touchpoints to understand where customers convert, drop out, or disengage, and identifying opportunities to improve acquisition, retention, and lifetime value.

You will translate these insights into clear, actionable recommendations and partner with Customer Journey Labs to drive commercially impactful improvements across the end‑to‑end experience.

To be successful as a Commercial Manager - Savings, you should have experience with:

• Great commercial acumen, with a clear understanding of how banks make money and how value is created across the P&L
• Proven experience in financial services and/or commercial management, including a solid grasp of key business performance drivers
• Experience designing or improving savings-related products or customer experiences within a financial context
• Demonstrated ability to interpret and leverage complex data sets to generate analytical insights and actionable commercial recommendations
• Considerable stakeholder management capability, with previous experience of influencing and engaging senior leaders up to Managing Director level
• Good collaboration skills, with experience working across cross‑functional teams and diverse business areas to deliver aligned, customer‑centric outcomes

Some other highly valued skills may include:

• Solid understanding of end‑to‑end customer journeys, with the ability to assess how customers move across products and touchpoints
• Ability to identify weak points, friction, and drop‑off moments within customer journeys and recognise opportunities for improvement
• Clear and effective communication skills, with the ability to articulate insights, issues, and recommendations to a wide range of stakeholders
• Evidence of considerable problem‑solving capability, including identifying issues, analysing root causes, and implementing practical, effective solutions

You may be assessed on the key critical skills relevant for success in role, such as risk and controls, change and transformation, business acumen strategic thinking and digital and technology, as well as job‑specific technical skills.

This role can be based in either Edinburgh or Glasgow.

To drive the success of the commercial banking segment through market analysis, product development, sales and relationship management, risk management, and performance.

• Execution of market research to understand the competitive landscape, identify market trends and opportunities, and develop strategies to capture market share within the commercial banking segment, taking into consideration industry, size, and growth stage.
• Development of appropriate pricing models for different products and services, ensuring profitability while remaining competitive in the market.
• Development, implementation and management of innovative financial solutions, services and products aligned to the banks objectives and are tailored to the commercial banking segment, including loan products, cash management solutions, and trade finance services.
• Identification and forging of strategic partnerships with other financial institutions, technology providers, or industry experts to expand product offerings and reach new client segments.
• Management of key stakeholder relationships within target companies to understand their needs and recommend appropriate solutions.
• Development and implementation of sales strategies including the establishment of sales targets, identification of sales channels to reach potential clients and objectives for loan terms to support the negotiation process and development of service agreements.
• Monitoring of key leading and lagging metrics such as new client acquisition, loan volume, revenue generation, and market share to assess the performance of the commercial banking segment. Funnel and journey optimisation are key to delivery of service and commercial performance.

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