JPMorgan Chase & Co.
UK Propositions Lead - Credit Cards
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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.
As a Proposition Manager at JPMorgan Chase within the International Consumer Bank, you will be a part of a flat-structure organization. Your responsibilities are to deliver end-to-end cutting-edge solutions in the form of cloud-native microservices architecture applications leveraging the latest technologies and the best industry practices. You are expected to be involved in the design and architecture of the solutions while also focusing on the entire SDLC lifecycle stages.
Our Product team is at the heart of this venture, focused on getting smart ideas into the hands of our customers. We're looking for people who have a curious mindset, thrive in collaborative squads, and are passionate about new technology. By their nature, our people are also solution-oriented, commercially savvy and have a head for fintech. We work in tribes and squads that focus on specific products and projects – and depending on your strengths and interests, you'll have the opportunity to move between them.
While we’re looking for professional skills, culture is just as important to us. We understand that everyone's unique – and that diversity of thought, experience and background is what makes a good team, great. By bringing people with different points of view together, we can represent everyone and truly reflect the communities we serve. This way, there's scope for you to make a huge difference – on us as a company, and on our clients and business partners around the world.
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
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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
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Join us to help elevate our Credit Card offering—delivering innovative, customer-centric propositions that balance growth, profitability and responsible lending.
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 [https://careers.jpmorgan.com/us/en/how-we-hire/faqs] for more information about requesting an accommodation.
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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