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- Tasks: Lead product and marketing strategy to drive growth and profitability at Kroo.
- Company: Join a dynamic digital bank focused on innovation and customer experience.
- Benefits: Competitive salary, flexible working, and opportunities for professional development.
- Why this job: Shape the future of banking while making a real impact in a fast-paced environment.
- Qualifications: Experience in digital banking, product leadership, and a strong understanding of market dynamics.
- Other info: Be part of a collaborative team with a focus on growth and sustainability.
The predicted salary is between 72000 - 108000 £ per year.
The Chief Product & Marketing Officer (CPMO) is an Executive Committee role with accountability for shaping and delivering Kroo's product and commercial strategy, driving sustainable revenue growth, profitability, and overall commercial performance across lending, deposits, and current accounts. The CPMO will own the development and execution of a coherent end-to-end commercial plan, bringing together product, pricing, distribution, and go-to-market execution to drive sustainable growth across customer segments, while operating within the bank's risk appetite, regulatory framework, and budget. The role will provide clear executive leadership across product (specifically organic lending, deposits, and current accounts) and marketing functions, ensuring effective prioritisation, governance, performance management and delivery discipline.
Key Responsibilities
- Product strategy and governance
- Continue to develop a compelling differentiated vision for the bank, and inspire Kroo's people to make it happen.
- Provide executive leadership for the Product function, overseeing product strategy and lifecycle management across deposits, lending, payments, and related services - ensuring product strategy and roadmap support Kroo's commercial objectives and customer proposition.
- Develop close partnerships with engineering, design, QA, and other functions to pursue optimised ways of working and high quality delivery.
- Develop market and customer research, define segment strategies, value propositions, and go-to-market plans, ensuring propositions are competitive, differentiated, and economically sound.
- Develop strategic partnerships to expand reach, capabilities, and revenue streams, evaluating fintech, platform, and ecosystem opportunities.
- Strengthen end-to-end product governance, including product lifecycle management, prioritisation, change control and delivery outcomes.
- Ensure the product roadmap is appropriately resourced, sequenced and controlled, balancing delivery pace with operational readiness and regulatory compliance.
- Lead the development and execution of Kroo's commercial strategy, ensuring alignment to the Bank's overall strategic plan and financial targets.
- Identify growth opportunities across products, segments, and channels.
- Own the annual commercial plan and medium-term outlook covering revenue, margin, product performance and customer propositions.
- Ensure the Bank operates with strong commercial governance, including pricing, margin management, product profitability and investment prioritisation.
- Develop close partnerships with the Chief Operating Officer, Chief Risk Officer, Chief Finance Officer and relevant committees.
- Provide executive oversight of the Lending function including strategy, origination performance, pricing / margin proposition development and portfolio growth.
- Drive disciplined lending growth aligned to the Bank's risk appetite.
- Ensure robust monitoring of lending performance, including portfolio metrics across margin / yield, arrears, recoveries, impairments and early warning indicators, driving disciplined cost-to-income outcomes through commercial efficiency strategies.
- Support the continued development of lending products and distribution approaches, with appropriate operational and control frameworks.
- Lead all marketing functions: brand, product marketing, and CRM.
- Define, scale and protect the bank’s brand, value proposition and customer promise.
- Own and develop the bank’s go‑to‑market strategy for products (and services).
- Design, implement and oversee execution of bank wide marketing strategy, leading acquisition / performance marketing / partnerships and channel optimization.
- Partner with Risk, Operations, and Compliance.
- Ensure marketing effectiveness through KPIs, ROI, attribution, analytics and executive reporting.
- Ensure strong management information and reporting frameworks across products (lending, deposits, accounts) and marketing.
- Provide timely and high-quality ExCo and Board reporting on commercial performance, pipeline and delivery of strategic initiatives.
- Ensure effective identification and escalation of commercial risks and issues.
- Act as a senior leader of Kroo Bank, contributing to the Bank's overall strategy, culture and performance.
- Represent the division in internal governance forums, committees and Board discussions as required.
- Ensure effective collaboration with Finance & Legal, Risk & Compliance, Technology, People and Operations to deliver the Bank's objectives.
- Build, develop and retain a high-performing commercial team with appropriate capability and succession planning.
Requirements
- Digital & Challenger Banking
- Senior commercial and product leadership experience within a digital bank, challenger bank, fintech, or technology‑led financial services business.
- Proven track record scaling customer growth and revenues.
- Hands‑on experience operating in a fully regulated UK banking environment (PRA / FCA).
- Experience building commercial engines in high‑growth environments with limited legacy infrastructure.
- Ability to move from MVP propositions to scaled, repeatable revenue models.
- Comfortable balancing experimentation with regulatory discipline.
- Strong background in product‑led growth for consumer and / or SME banking products (current accounts, savings, lending).
- Experience monetising free or low‑fee propositions through adjacencies (interest margin, lending, partnerships).
- Deep understanding of customer behaviour.
- Expertise in unit economics, contribution margin, and lifetime value modelling.
- Experience managing net interest margin, funding costs, and deposit growth.
- Proven ability to drive sustainable economics without eroding customer trust.
- Competent use of data, experimentation, and cohort analysis to drive growth and optimisation.
- Experience partnering closely with data and engineering teams.
- Ownership of end‑to‑end go‑to‑market for financial products.
- Experience optimising acquisition channels, onboarding, and conversion funnels.
- Familiarity with growth marketing and partnerships.
- Strong understanding of credit risk, conduct risk, and regulatory obligations in banking.
- Experience embedding risk and compliance into commercial decision‑making.
- Builder mindset: comfortable designing structure, processes, and teams.
- Highly collaborative.
- Clear communicator able to engage regulators, investors, and boards.
- Comfortable being hands‑on while scaling teams and capability.
Chief Product & Marketing Officer (CPMO) in London employer: Kroo Bank
Contact Detail:
Kroo Bank Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Chief Product & Marketing Officer (CPMO) in London
✨Tip Number 1
Network like a pro! Get out there and connect with people in the industry. Attend events, join online forums, and don’t be shy to reach out on LinkedIn. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by researching the company and its products. Understand their market position and be ready to discuss how your experience aligns with their goals. Show them you’re not just another candidate; you’re genuinely interested in what they do!
✨Tip Number 3
Practice your pitch! You should be able to clearly articulate your value proposition in a few sentences. Think about what makes you unique and how you can contribute to their commercial strategy. Confidence is key!
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen. Plus, we love seeing candidates who are proactive and engaged with our brand. Let’s make it happen together!
We think you need these skills to ace Chief Product & Marketing Officer (CPMO) in London
Some tips for your application 🫡
Tailor Your Application: Make sure to customise your CV and cover letter to reflect the specific skills and experiences that align with the CPMO role. Highlight your leadership in product strategy and marketing, as well as any relevant achievements in digital banking.
Showcase Your Impact: When detailing your past roles, focus on quantifiable results. We want to see how you've driven growth, improved profitability, or enhanced customer engagement in previous positions. Numbers speak louder than words!
Be Authentic: Let your personality shine through in your application. We’re looking for someone who can inspire and lead, so don’t be afraid to share your vision for the future of banking and how you plan to make it happen at Kroo.
Apply Through Our Website: For the best chance of success, make sure to submit your application directly through our website. This way, we can easily track your application and ensure it gets the attention it deserves!
How to prepare for a job interview at Kroo Bank
✨Know Your Product Inside Out
As a Chief Product & Marketing Officer, you need to demonstrate a deep understanding of the products you'll be overseeing. Research Kroo's current offerings, their unique selling points, and how they fit into the competitive landscape. Be ready to discuss how you would enhance these products or introduce new ones.
✨Showcase Your Strategic Vision
Prepare to articulate your vision for Kroo's product and commercial strategy. Think about how you can drive sustainable revenue growth and profitability. Bring examples from your past experiences where you've successfully developed and executed a commercial plan that aligns with a company's strategic goals.
✨Demonstrate Collaborative Leadership
This role requires strong collaboration across various functions. Be prepared to share examples of how you've worked with engineering, design, and marketing teams in the past. Highlight your ability to inspire and lead cross-functional teams towards a common goal, especially in a regulated environment.
✨Prepare for Data-Driven Discussions
Kroo values data-driven decision-making, so come equipped with insights on how you've used data to inform product strategies and marketing decisions. Be ready to discuss specific metrics you've tracked, how you've interpreted them, and the impact they had on your previous roles.