Head of Savings, Wealth & Payments in Newcastle upon Tyne

We’re Atom bank, the bank that’s leading the fintech charge! We’re not like the rest. We’re true innovators, and we’re redefining what a bank should be. Ours is a bank for today and the future, a mobile-first bank. Forget the stuffy branches; with Atom, you can bank whenever, wherever, faster, and simpler.

The Commercial team develops the end-to-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. As a Certified Material Risk Taker under the SMCR, this role carries significant regulatory responsibility. You’ll be expected to uphold the highest standards of conduct and will undergo annual certification to ensure you remain fit and proper for the role.

What you’ll 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.
• 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 you’ll get from us:

• 4-day work week.
• Discretionary Cash Bonus – Individual and Company Performance based.
• Incredibly generous company pension scheme (maximum of 13% of Atom input – you can put in more).
• ‘All About Me’ fund: £200 per year to spend on personal development.
• 25 days annual leave plus public holidays.
• Private Medical Insurance, Health Cash Plan & Life Insurance.
• Electric Vehicle Scheme.
• Car allowance of £8,000 per annum.

PLEASE NOTE: You must have the legal right to work in the UK to apply for this role as Atom is unable to support Visa Applications/Sponsorship. Atom is an equal opportunities employer. We value you as an individual and therefore disregard race, religion/belief, gender, sexual orientation, maternity/pregnancy, age, gender reassignment, marriage/civil partnership, and disability in any hiring decisions we make. Atom will always adhere to the Equality Act 2010. All roles within Atom must adhere to the Conduct Rules as set out by the Prudential Regulation Authority (PRA) and Financial Conduct Authority (FCA). As part of Atom bank’s commitment to the FCA’s Consumer Duty, Atom will take all reasonable steps to avoid causing foreseeable harm to customers, take all reasonable steps to enable customers to pursue their financial objectives and act in good faith.