Head of Savings, Wealth

Position: Head of Savings, Wealth and Payments
We’re Atom The bank that’s on a mission to make finance faster, simpler and way more human. We’ve ditched the stuffy banking model to build something that actually works for our customers, whenever and wherever they need us. To make this happen, we’re looking for like-minded people who can help us reach our goals and think differently. If you’re ready to build the future of banking, we’d love to meet you.

What will your typical day look like? The Commercial team develops the end of end customer experience through using insight and intelligence to drive the design and development of propositions and products that are delivered digitally. Atom’s approach is highly customer orientated, with an emphasis on transparency, fairness and value. The Commercial team ensures customer insight and feedback informs decisions, alongside wider market dynamics in the core objective of Atom’s products being differentiated and ahead of the market.

The Head of Savings, Wealth, and Payments is responsible for the overall strategic direction, design, development, and day-to-day management of Atom Bank’s propositions across Savings, Payments and future Wealth products. This role requires strong leadership to manage a product proposition team and key value streams, ensuring market-leading product design, effective pricing strategies, and strict adherence to regulatory, Compliance, and Conduct Risk requirements.

The role holder will be a critical subject matter expert, acting as a liaison with industry bodies, key internal stakeholders, and governance committees. So, what will you be doing? Strategy and Proposition Leadership:
Develop long-term strategic proposition plans and short-term proposition management across Savings, Wealth, and Payments, setting and prioritising product roadmaps and demonstrating clear business value. Lead the Product proposition team, ensuring collaborative work with all business functions in the design, development, and performance management of all propositions. Product and Performance Management:
Manage the proposition performance across all areas, including the management of pricing and financial performance in conjunction with key stakeholders (Finance, Risk, Operations). Oversee the management of product level customer/client journeys and supporting proposition processes. Payments Focus:
Lead the governance and oversight over the categorisation and prioritisation of solutions/features to support strategic intent and regulatory status. Act on behalf of Atom in all relevant industry Payment forums and directly liaise with payment scheme providers, including acting as Atom’s nominated Senior Payments Executive for Faster Payments and Bacs. Risk, Compliance and Governance:
Proactively identify and manage the risks involved in further building and running the bank, including propositional regulatory, Compliance, and Conduct Risk adherence. Ensure that, in relation to the Certification regime, the firm’s requirements for the role holder to remain fit and proper are met and pay due regard to all relevant legal and regulatory requirements to help the bank ensure the ongoing provision of fair customer outcomes.

Leadership and

Coaching:

Take accountability for the functional and managerial leadership of the combined team, setting and supporting the standards required for a high-performing culture. Effectively manage relationships with key stakeholders across the business, including the Finance, Risk, Operations, and Change / Technology functions. Regulatory Requirements:
Assist the firm with their requirement to ensure that you remain fit and proper to perform your role in relation to the Certification regime. Pay due regard to all relevant legal and regulatory requirements. Help the bank to ensure the ongoing provision of fair customer outcomes. What do we need from you? Significant experience in proposition or product management within retail banking FS, with demonstrable experience within savings & Wealth Demonstrable customer research / insight experience Up-to-Date regulatory and market knowledge

Experience of managing pricing and risk strategies for products Highly numerate and articulate Commercially astute and customer oriented. Strong influencing and stakeholder management skills What will you get from us? Salary of up to £150k Car Allowance of £8k 4-day work week Discretionary Cash Bonus – Individual and Company Performance based. Flexible hybrid working in Newcastle Incredibly generous company pension scheme (maximum of 13% of Atom input – candidate can put in more) 25 days annual leave plus public holiday Private Medical Insurance, Health Cash Plan, Life Insurance & Critical illness cover £200 “All about me” fund