Head of Retirement Propositions

End Date Sunday 08 November 2026

Salary Range £0 - £0

We support flexible working

Flexible Working Options Hybrid Working, Job Share

Job Description Summary .

Job Description

JOB TITLE:

Head of Retirement Propositions. SALARY:
Competitive/market rate. LOCATIONS:
Edinburgh, Bristol, London.

HOURS:

Full-time. WORKING PATTERN:
Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at one of the above office sites. Colleagues with disabilities can be supported with workplace adjustments including hybrid working expectations in line with our Flexibility Works policy.

As the Head of Retirement Propositions, you'll shape the future of Scottish Widows' retirement offering, helping customers make informed retirement decisions through market-leading products, guidance and advice. You'll lead proposition strategy using customer and market insights to drive innovation, differentiation and growth, while ensuring strong customer outcomes and regulatory compliance. Working closely with digital and platform teams, investment partners, operations and distribution colleagues, you'll translate emerging trends into compelling propositions and customer experiences.

You'll also represent Scottish Widows externally, building industry relationships and helping position our retirement capabilities as market leading. Horizon scanning the market to understand future regulatory change, needs and innovation for employers/trustees and customers. Developing and implementing the retirement strategy. You will define how we support people to and through retirement with guidance, targeted support and financial advice. You'll own product specification, regulated product design and ongoing product governance including ensuring products and services deliver fair customer outcomes and alignment to the principles of Consumer Duty.

Crafting compelling communications that support our interaction with advisers and employers/trustees helping to ensure they are aware of the full breadth of what we provide, to support new proposition launch with clear calls to action. You will manage the propositions team ensuring that propositions and products are clearly specified, well governed and changes are defined and implemented successfully across a matrix organisation.

Proven experience in proposition development within financial services, ideally pensions, financial advice or retirement. Strong commercial acumen and strategic thinking capability. Deep understanding of regulatory frameworks (e.g., FCA, Consumer Duty). Exceptional stakeholder management and influencing skills. Leadership experience managing diverse team and complex projects. Ability to balance innovation with risk and compliance requirements.

Our ambition is to be the leading UK business for diversity, equity and inclusion supporting our customers, colleagues and communities, and we’re committed to creating an environment in which everyone can thrive, learn and develop. We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer Initiative.

We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. And, as a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long-term health or neurodivergent condition through the Disability Confident Scheme. We provide reasonable adjustments throughout the recruitment process to reduce or remove barriers.

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