UK Propositions Manager - Credit Card / Personal Loans

JOB DESCRIPTION

About the Role
As Proposition Manager for our UK Credit Card business, you will shape and deliver compelling card offers that drive acquisition, engagement, profitability and exceptional customer outcomes. You’ll partner closely with Finance, Commercial, Credit Risk, Product and broader cross-functional teams to turn customer insights, market analysis and strong unit economics into differentiated propositions that meet regulatory standards and business targets.

 

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 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

ABOUT US
J.P. 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.