Product Lead - Personal Current Accounts

Hello, we’re Starling. We built a new kind of bank because we knew technology had the power to help people save, spend and manage their money in a new and transformative way. We’re a fully licensed UK bank with the culture and spirit of a fast-moving, disruptive tech company. We’re a bank, but better: fairer, easier to use and designed to demystify money for everyone. We employ more than 3,500 people across our London, Southampton, Cardiff and Manchester offices.

Shape the future of Starling’s flagship product. Our award-winning current account is at the heart of Starling’s retail banking proposition and this role offers a unique opportunity to lead its continued success. As our Product Lead - Personal Current Accounts, you’ll be responsible for the end-to-end management of our personal current accounts (sole and joint), supporting both day-to-day performance and the strategic evolution of the proposition. Your focus will be ensuring our current account remains the customer’s account of choice driving acquisition retention, and overall product excellence. This is a highly visible and collaborative role that will see you working closely with a wide range of stakeholders across the business, including Product, Risk, Commercial and Customer Experience teams. You’ll bring both strategic thinking and operational rigour, taking accountability for P&L, Balance Sheet performance, and risk management.

If you’re passionate about customer-centric innovation and want to be at the forefront of shaping one of the UK’s most recognised digital banking products, this is your opportunity.

Key Responsibilities Include:

• Shaping the proposition
• Work alongside the Head of the team to shape Starling’s Personal Current Accounts propositions
• Hands on support across the proposition development lifecycle from market research and scoping to design, development and delivery
• Work alongside technology and product owners to ensure customer journeys deliver world-class customer experience
• Monitor operational performance and collaborate with relevant teams to help address any pain points, whilst driving continuous improvements
• Defining success and measuring performance
• Review existing and identify new success metrics to track performance across different areas, which impact the product’s financial performance and work closely with finance and pricing teams to embed these.
• Monitor these metrics regularly and report performance and insights to leadership teams
• Work cross-functionally with different teams to ensure smooth day-to-day management of the Personal Current Accounts, as well as the delivery of any new initiatives
• Create partnerships with internal stakeholders to influence decision making and achieve shared objectives
• Customer Advocacy
• Act as the voice of the customer within the business, to ensure the products address the needs of the different customer segments
• Partner with marketing teams to effectively promote the Personal Current Accounts to the right audiences
• Regulatory Compliance & Risk Management
• Work with risk and compliance teams to ensure Personal Current Account solutions align with regulations and Starling’s risk appetite as well as deliver good customer outcomes
• Manage any emerging risks, proactively identify new ones, and deliver strategies to mitigate these

Requirements

Key Requirements:

• Experience: Hands-on experience in managing Personal Current Account books and driving growth at a fintech or bank
• Track record of designing and delivering world-class new products/initiatives whilst managing and/or influencing cross-functional teams
• Skills: Deep understanding of UK Personal Current Account market dynamics, including competition and regulations
• Analytical mindset with the ability to seek and interpret data to make informed decisions.
• Attributes: Customer-focused with a passion to improve financial outcomes for customers
• Organised and able to balance multiple priorities, to ensure timely delivery at a high standard
• Tenacious and results driven, with a growth/innovation mindset

25 days holiday (plus take your public holiday allowance whenever works best for you) An extra day’s holiday for your birthday Annual leave is increased with length of service, and you can choose to buy or sell up to five extra days off 16 hours paid volunteering time a year Salary sacrifice, company enhanced pension scheme Life insurance at 4x your salary & group income protection Private Medical Insurance with VitalityHealth including mental health support and cancer care. Partner benefits include discounts with Waitrose, Mr&Mrs Smith and Peloton Generous family-friendly policies Incentives refer a friend scheme Perkbox membership giving access to retail discounts, a wellness platform for physical and mental health, and weekly free and boosted perks Access to initiatives like Cycle to Work, Salary Sacrificed Gym partnerships and Electric Vehicle (EV) leasing.

You may be put off applying for a role because you don't tick every box. Forget that! While we can’t accommodate every flexible working request, we’re always open to discussion. So, if you’re excited about working with us, but aren’t sure if you’re 100% there yet, get in touch. We’re on a mission to radically reshape banking – and that starts with our brilliant team. Whatever came before, we’re proud to bring together people of all backgrounds and experiences who love working together to solve problems.