At a Glance
- Tasks: Lead the development of innovative credit card propositions and strategies for the UK market.
- Company: Join J.P. Morgan, a global leader in financial services with a focus on innovation.
- Benefits: Competitive salary, diverse work environment, and opportunities for professional growth.
- Other info: Be part of a dynamic team dedicated to creating industry-leading financial products.
- Why this job: Make a real impact in revolutionising mobile banking and enhancing customer experiences.
- Qualifications: 5+ years in proposition management with strong analytical and communication skills.
The predicted salary is between 60750 - 74250 £ per year.
Overview
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.
We\'re already trusted by millions in the US and we\'re quickly catching up in the UK – but how we do things here is a little different.
We\'re building the bank of the future from scratch, channelling our start-up mentality every step of the way – meaning you\'ll have the opportunity to make a real impact.
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 communication—able 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.
About Us
Morgan is a global leader in financial services, providing strategic advice and products to the world\'s most prominent corporations, governments, wealthy individuals and institutional investors.
Our first-class business in a first-class way approach to serving clients drives everything we do.
We strive to build trusted, long-term partnerships to help our clients achieve their business objectives.
We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success.
We are an equal opportunity employer and place a high value on diversity and inclusion at our company.
We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law.
We also make reasonable accommodations for applicants\' and employees\' religious practices and beliefs, as well as mental health or physical disability needs.
Visit our FAQs for more information about requesting an accommodation.
About The Team
Our professionals in our Corporate Functions cover a diverse range of areas from finance and risk to human resources and marketing.
Our corporate teams are an essential part of our company, ensuring that we\'re setting our businesses, clients, customers and employees up for success.
The Digital team is dedicated to creating innovative, industry-leading products and experiences that help customers access, share and control their financial data so they can make smart decisions with their money.
Teams enable innovation while adhering to the firm\'s data sharing principles of security, customer control and convenience, and privacy.
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UK Product and Propositions Lead - Credit Cards employer: JPMorganChase
JPMorganChase is an exceptional employer, offering a dynamic work environment in Greater London where innovation thrives. With a strong commitment to diversity and inclusion, employees benefit from collaborative agile teams, extensive professional development opportunities, and the chance to work on cutting-edge technology products that shape the future of finance. Join us to be part of a culture that values your contributions and supports your growth.
StudySmarter Expert Advice🤫
We think this is how you could land UK Product and Propositions Lead - Credit Cards
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like JPMorganChase. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace UK Product and Propositions Lead - Credit Cards
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to JPMorganChase.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on JPMorganChase's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at JPMorganChase
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with JPMorganChase.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at JPMorganChase will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former JPMorganChase employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
