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Apply now Job no: 108289
Work type: Permanent Full Time
Location: Chester, George Street, Head Office - Glasgow, Hybrid
Categories: Product Lifecycle
Business Unit: Unsecured Lending
Salary range: £54,400 - £68,000 per annum DOE+ benefits
Location: Hybrid - with travel to Chester or Glasgow when required
Contract type: Permanent
Our Team
We're not just a commercial team — we're a catalyst for change in the credit card industry. Bold in our thinking and disruptive by design, we thrive on innovation, challenge convention, and build propositions that lead the market. As part of Nationwide, we’re guided by a clear purpose: to serve our members and communities, not shareholders. That means every decision we make is rooted in doing what’s right — creating fairer, more inclusive financial products that deliver real value. If you’re driven by ideas, excited by transformation, and ready to create what’s next, you’ll feel right at home here.
What you’ll be doing
* Shaping the creation and evolution of credit card propositions, owning the full lifecycle from concept to optimisation, ensuring they remain competitive, customer‑focused, and commercially impactful.
* Developing intuitive, value‑driven product features that elevate customer experience and foster long‑term retention.
* Designing benefits and experiences that reward customer loyalty, deepen emotional connection, and reinforce long‑term engagement with the brand.
* Embedding dynamic mechanisms that recognise and incentivise customer behaviours, creating a compelling value exchange that drives deeper product usage and brand affinity.
* Developing and executing engagement strategies using data and behavioural insights to deliver timely, relevant experiences that build trust and advocacy.
* Supporting the commercial lead in key initiatives, driving strategy from conception to execution and ensuring measurable business outcomes.
* Staying ahead of industry trends, identifying opportunities to challenge norms, introduce breakthrough innovations, and set new standards in the credit card market.
* Working cross‑functionally with internal teams and external partners to align product strategy with business objectives and market opportunities.
* Contributing towards product compliance with Consumer Duty, embedding fair value assessments and continuous customer outcome monitoring into the proposition lifecycle.
We need you to have
* Demonstrable experience in credit card products, commercial strategy, or financial services, with a track record of successfully designing, enhancing, and launching credit card propositions that improve customer outcomes and business performance.
* Experience managing external partnerships, such as cobrand relationships, to enhance proposition value, strengthen commercial performance, and align with strategic objectives.
* Experience supporting cross‑functional initiatives, working with marketing, operations, or commercial teams to implement product strategies.
It’s a bonus if you have but not essential
* Understanding of P&L and Financial Metrics: Awareness of profit and loss principles, cost management, and revenue drivers to support commercial decisions.
* Executive‑Level Influence: Proven ability to engage, influence, and collaborate with senior leadership to drive strategic initiatives and business growth.
Red Hot Rewards
* Generous holidays - 38.5 days annual leave (including bank holidays and prorated if part‑time) plus the option to buy more.
* Up to five extra paid well‑being days per year.
* 20 weeks paid, gender‑neutral family leave (52 weeks in total) for expectant parents and those looking to adopt.
* Free private medical cover, income protection and life assurance.
* Flexible benefits include Cycle to Work, wellness and health assessments, and critical illness.
If we’re lucky to receive a lot of interest, we may close the advert early. Please ensure to submit your applications as soon as possible.
We need you to confirm you have the right to work in the UK.
Advertised: 20 Oct 2025 GMT Daylight Time
Applications close: 27 Oct 2025 GMT Standard Time
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