Product & Proposition Lead - Credit Cards

Location: LONDON, United Kingdom

Job Family: Product Management

About the Role

At JP Morgan Chase, we are a leading global financial services firm with a proud history of innovation and client focus. As the Product & Proposition Lead - Credit Cards in our UK Consumer Banking division, you will play a pivotal role in shaping the future of our credit card offerings. Based in London, this position involves leading the end-to-end strategy and execution of our UK Credit Card proposition, from initial concept development to lifecycle management. You will drive initiatives that enhance customer value through innovative features like personalized rewards, seamless digital experiences, and robust security measures, all while navigating the complexities of the UK financial landscape. This role demands a strategic mindset to align product strategies with JP Morgan Chase's broader goals of sustainable growth and regulatory excellence. In this leadership position, you will collaborate closely with multidisciplinary teams across marketing, technology, risk, and compliance to deliver high-impact credit card products that meet evolving customer needs and competitive pressures. Responsibilities include conducting in-depth market analysis to identify opportunities in areas such as contactless payments and sustainable finance, as well as overseeing the performance of existing portfolios to optimize profitability and customer satisfaction. You will leverage data-driven insights to refine propositions, ensuring they comply with stringent FCA regulations and contribute to JP Morgan Chase's commitment to ethical banking practices. This is an opportunity to influence a key revenue stream in one of the world's most dynamic markets, fostering innovation in a firm renowned for its technological prowess and global reach. We seek a seasoned professional passionate about financial products and customer-centric innovation. Joining JP Morgan Chase means becoming part of a supportive culture that values diversity, professional growth, and work-life balance. With access to world-class resources and mentorship, you will contribute to initiatives that empower millions of UK customers while advancing your career in a prestigious institution. If you thrive in a high-stakes environment and have a proven track record in credit card product management, this role offers the platform to make a lasting impact.

Key Responsibilities

• Develop and execute the strategic roadmap for JP Morgan Chase's UK Credit Card proposition, aligning with overall business objectives and market opportunities
• Lead the full product lifecycle management, from ideation and design to launch, monitoring, and optimization of credit card products
• Collaborate with cross-functional teams including marketing, risk, compliance, and technology to ensure seamless product delivery
• Conduct market research and competitive analysis to identify trends, customer needs, and opportunities for innovation in credit card offerings
• Manage relationships with key stakeholders, including internal executives and external partners, to drive proposition enhancements
• Oversee performance metrics and KPIs for credit card products, using data analytics to inform decisions and improve customer experience
• Ensure all products comply with UK regulatory requirements and JP Morgan Chase's risk management standards
• Drive customer-centric initiatives, such as personalized rewards programs and digital integration, to enhance engagement and loyalty
• Mentor and lead a team of product managers, fostering a culture of innovation and accountability

Required Qualifications

• Bachelor's degree in Business, Finance, Marketing, or a related field
• Minimum of 7-10 years of experience in product management within the financial services industry, with a focus on credit cards or consumer lending
• Proven track record in developing and executing product strategies for credit card propositions in a regulated market like the UK
• Strong understanding of UK financial regulations, including FCA guidelines and PSD2 compliance
• Experience managing cross-functional teams in a large-scale banking environment
• Demonstrated ability to analyze market trends and customer data to drive product innovation
• Excellent communication and stakeholder management skills at executive levels

Preferred Qualifications

• Advanced degree (MBA or equivalent) in Finance or Business Administration
• Prior experience working at a major global bank such as JP Morgan Chase or similar
• Knowledge of digital payment ecosystems and emerging fintech trends in the UK
• Experience with agile methodologies in product development
• Certification in product management (e.g., Pragmatic Institute or similar)

Required Skills

• Strategic thinking and visioning for product roadmaps
• Deep knowledge of credit card products, including rewards, interest rates, and fraud prevention
• Proficiency in data analytics tools like SQL, Tableau, or Google Analytics
• Expertise in financial modeling and ROI analysis
• Strong project management skills using tools like Jira or Asana
• Excellent verbal and written communication for stakeholder presentations
• Regulatory compliance awareness in banking and fintech
• Customer empathy and experience design principles
• Agile and scrum methodologies for product development
• Leadership and team motivation in a fast-paced environment
• Market research and competitive intelligence gathering
• Risk assessment and mitigation in consumer finance
• Digital transformation skills, including API integrations and mobile app development
• Negotiation and partnership management
• Problem-solving and decision-making under pressure

Benefits

• Competitive base salary and performance-based annual bonus
• Comprehensive health, dental, and vision insurance coverage
• Generous 401(k) matching and pension contributions
• Paid time off including vacation, sick leave, and parental leave
• Professional development opportunities through JP Morgan's internal training programs and tuition reimbursement
• Employee stock purchase plan and financial wellness resources
• Hybrid work model with flexibility for work-life balance
• Access to global mobility programs and career advancement within JP Morgan Chase

JP Morgan Chase is an equal opportunity employer.