Senior Proposition Consultant

Apply now Job no: 107829
Work type: Permanent Full Time
Location: London, Chester, George Street, Chester, Watergate Street, Newcastle Upon Tyne, Newcastle, Gosforth Centre, Leeds City, Leeds, Crossgates, Leeds, Hunslet, Leeds, Moortown, Head Office - Glasgow, Head Office - Newcastle, Hybrid, Edinburgh, Glasgow City
Categories: Product Lifecycle

Business Unit: Group Unsecured Lending
Salary range: £69,600 - £95,000 per annum + Benefits

We’re not just a commercial team — we’re a catalyst for change in the credit card industry. Bold in our thinking and disruptive by design, we thrive on innovation, challenge convention, and build propositions that lead the market. As part of Nationwide, we’re guided by a clear purpose: to serve our members and communities, not shareholders. That means every decision we make is rooted in doing what’s right — creating fairer, more inclusive financial products that deliver real value.

If you’re driven by ideas, excited by transformation, and ready to create what’s next, you’ll feel right at home here.

• Work independently with no direct reports, supported by key contacts like Insight within a collaborative, squad-based structure.
• Lead the creation and evolution of credit card propositions, owning the full lifecycle from concept to optimisation, ensuring they remain competitive, customer-focused, and commercially impactful.
• Develop intuitive, value-driven product features that elevate customer experience and foster long-term retention.
• Design benefits and experiences that reward customer loyalty, deepen emotional connection, and reinforce long‑term engagement with the brand.
• Embed dynamic mechanisms that recognise and incentivise customer behaviours, creating a compelling value exchange that drives deeper product usage and brand affinity.
• Develop and execute post‑acquisition engagement strategies using data and behavioural insights to deliver timely, relevant experiences that build trust and advocacy.
• Act as the commercial lead in key initiatives, driving strategy from conception to execution and ensuring measurable business outcomes.
• Stay ahead of industry trends, identifying opportunities to challenge norms, introduce breakthrough innovations, and set new standards in the credit card market.
• Cross‑functionally with internal teams and external partners to align product strategy with business objectives and market opportunities.
• Oversee product compliance with Consumer Duty, embedding fair value assessments and continuous customer outcome monitoring into the proposition lifecycle.

• Demonstrable experience in credit card products, commercial strategy, or financial services, with a track record of successfully designing, enhancing, and launching credit card propositions that improve customer outcomes and business performance.
• Experience managing external partnerships, such as co‑brand relationships, to enhance proposition value, strengthen commercial performance, and align with strategic objectives.
• Experience supporting cross‑functional initiatives, working with marketing, operations, or commercial teams to implement product strategies.

• Understanding of P&L and Financial Metrics:
  Awareness of profit and loss principles, cost management, and revenue drivers to support commercial decisions
• Executive‑Level Influence:
  Proven ability to engage, influence, and collaborate with senior leadership to drive strategic initiatives and business growth.

• 25 days holiday per year, increasing over time to 30. Plus, an option to buy more, giving you even more choice.
• Private medical insurance
• A highly competitive pension to help you build a strong foundation for retirement
• Access to an annual performance‑related bonus
• Training and development to help you progress your career
• A great selection of additional benefits through our flexible benefits scheme
• Life assurance to provide peace of mind for you and your loved ones
• Up to 2 days of paid volunteering a year

If we’re lucky to receive a lot of interest, we may close the advert early. Please ensure to submit your applications as soon as possible.