Propositions Lead Credit Cards

Description

Head of Credit Card Proposition

We know that people want great value combined with an excellent experience from a bank they can trust so we launched our digital bank Chase UK to revolutionise mobile banking with seamless journeys that our customers love. Were already trusted by millions in the US and were quickly catching up in the UK but how we do things here is a little different.

Were building the bank of the future from scratch channelling our start-up mentality every step of the way meaning youll have the opportunity to make a real impact.

As a Proposition Manager at JPMorgan Chase within the International Consumer Bank you will be a part of a flat-structure organization. Your responsibilities are to deliver end-to-end cutting-edge solutions in the form of cloud-native microservices architecture applications leveraging the latest technologies and the best industry practices. You are expected to be involved in the design and architecture of the solutions while also focusing on the entire SDLC lifecycle stages.

Our Product team is at the heart of this venture focused on getting smart ideas into the hands of our customers. Were looking for people who have a curious mindset thrive in collaborative squads and are passionate about new technology. By their nature our people are also solution-oriented commercially savvy and have a head for fintech. We work in tribes and squads that focus on specific products and projects and depending on your strengths and interests youll have the opportunity to move between them.

While were looking for professional skills culture is just as important to us. We understand that everyones unique and that diversity of thought experience and background is what makes a good team great. By bringing people with different points of view together we can represent everyone and truly reflect the communities we serve. This way theres scope for you to make a huge difference on us as a company and on our clients and business partners around the world.

Key Responsibilities

• Product Strategy & Roadmap
  • Define prioritize and own the end-to-end Credit Card proposition backlog for the UK market
  • Translate customer needs competitive landscape and financial objectives into a clear multi-year roadmap
• Commercial & Financial Performance
  • Set pricing and promotional structures to achieve annual new-business and profitability targets
  • Collaborate with Finance Credit and Commercial teams to model unit economics track P&L impact and optimize margin
• Risk & Compliance Management
  • Partner with Credit Risk and Legal to ensure propositions comply with UK unsecured-lending regulations
  • Monitor Customer Outcome Indicators and risk metrics to identify emerging issues and mitigate potential harms
• Market & Customer Insights
  • Conduct primary and secondary market research competitor benchmarking and ongoing customer feedback analysis
  • Use data-driven insights to identify new or iterate on existing features messaging and channel strategies that improve customer satisfaction
• Cross-Functional Leadership
  • Lead product-lifecycle activities including discovery ideation requirements definition and post-launch value management
  • Influence senior stakeholders through concise briefings presentations and business cases

Required Qualifications & Skills

• In-depth knowledge of unsecured-lending products and the UK credit-card market
• Demonstrated expertise in risk management across credit conduct and operational dimensions
• Solid understanding of UK regulatory framework for unsecured lending (e.g. CONC CCA)
• Analytical and strategic thinking:
  Ability to analyze data interpret trends and translate strategy into actionable plans and initiatives.
• Commercial acumen with a track record of developing and managing profitable propositions
• Excellent verbal and written communicationable to simplify complex ideas for diverse audiences
• Proven success leading product-life-cycle processes within a matrixed multi-stakeholder environment
• Exceptional influencing skills with senior leaders and governance forums

Preferred Experience

• 5 years in proposition management commercial strategy or marketing of financial services products
• Experience working in or alongside credit-risk and compliance functions

Join us to help elevate our Credit Card offering delivering innovative customer-centric propositions that balance growth profitability and responsible lending.