Product Manager - Cards, Commercial

The Vacancy

The Product Manager (Cards Commercial) is responsible for working with technology, credit risk, commercial, compliance, and marketing teams to ensure product integrity, efficiency, and market competitiveness.

The role holder is responsible for developing and managing products that meet customer needs while ensuring compliance with regulatory and risk requirements. Collaborating with cross-functional teams to define and deliver product strategy, enhance features, and drive execution, balancing innovation with operational efficiency and profitability.

The role holder is expected to support product management framework responsibilities including product and journey evaluations and manage these through governance, including strategic recommendations.

Responsibilities:

Cross-Functional Collaboration: Work closely with technology, operations, risk, compliance, and marketing teams to maintain product integrity, efficiency, and market competitiveness.

Product Strategy & Optimisation: Define product development opportunities and requirements, oversee configuration changes, and enhance workflows to improve customer experience and operational performance.

Performance Analysis & Innovation: Monitor product performance, identify areas for improvement, and support the development of new initiatives to drive growth and efficiency.

Business & Technical Liaison: Act as the key bridge between business and technical teams, ensuring product enhancements align with customer needs and overall business objectives.

Support product management framework responsibility including product and journey evaluations and manage these through governance.

Experience required:

Understanding of credit card product, lifecycle management, and operational execution.

In-depth knowledge of customer experience, product features, and market trends in the credit card sector, ensuring competitive and customer-centric product offerings.

Understanding of regulatory requirements and compliance frameworks related to credit card products, ensuring adherence to FCA/PRA guidelines.

Strong business acumen with the ability to balance operational efficiency, risk management, and customer outcomes while driving commercial success.

Excellent communication and stakeholder management skills, with a proven ability to collaborate across technology, operations, risk, compliance, and marketing teams to deliver business objectives.

Ability to work independently, demonstrating sound judgement and a structured approach to product execution and issue resolution.

Understanding of governance, risk controls, and compliance obligations within an FCA/PRA-regulated financial institution.

What We Offer

We don't just care about your work, we care about your health, wellbeing and life outside your working hours. That's why we offer we offer flexibility, empathy, and a wide range of resources to help you navigate life's ups and downs and feel your best. We encourage you to take ownership of your work-life blend, support others and make time to prioritise your wellbeing, our benefits include:

• Holidays: 25 days of annual leave (rising to 30 with service), and tailor your time off by buying or selling up to 5 extra days. Plus, with our flexible bank holiday policy, you can swap up to 4 days to celebrate what matters most to you-whether that's skipping Easter or switching up your Christmas plans.
  
• Pension: We'll boost your future with up to 10% employer contributions-because your tomorrow matters.
  
• Enhanced Leave: Enhanced maternity (post-probation) and 4 weeks paternity leave to paid neonatal and carers leave - we've got your back when it matters most.
  
• Workations: Why not take your laptop somewhere sunny? Work abroad for up to 20 days a year in approved countries. Yes, really.
  
• Paid Birthday Leave: Your birthday, your rules-take the day off and celebrate in style!
  
• Volunteering: 2 paid days a year to volunteer for a cause close to your heart.
  
• Learning & Development: Access to Learning for all colleagues - because your growth matters.
  
• Financial Wellbeing: Stay on top of your finances with a free Snoop Premium subscription.
  
• Healthcare: Take care of your wellbeing with our easy self-pay Denplan scheme for dental care and feel confident knowing you can also choose Private Medical Insurance for extra reassurance when it matters most.

The Benefits

Competitive base salary and rewards

Private Medical Insurance

25 days holiday entitlement

one day accrued for each year of service (max 30 days)

Defined contribution pension scheme

Discretionary bonus scheme

Perks at Work

A perks platform of over 30,000 unique discounts

Volunteering

2 paid days to support a charity of your choice

Flexible, hybrid, & dynamic working policies

Personal & career development opportunities

Monthly and Quarterly Colleague Socials

Discounted gym membership

BUPA GP Service

Workplace Gallery

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