About the role
Serving our customers, communities, and planet a little better every day.
Role Details
* Salary – from £43,680 up to £65,520 + annual bonus & benefits
* Work Level - 2
* Location – Edinburgh
* Office Attendance - Our roles are hybrid; however, you should be able to travel to an office, 2 days per week for this position.
* Closing Date – Applications close Friday 7th November 2025.
We deal in the personal – from pet insurance for your best friend, and home insurance for peace of mind, to motor insurance for your dream car or travel money for that trip you’ve worked hard for. And that means we always work with heart. Whether we’re helping our customers or looking after our people, you’ll find there’s a warmth and friendliness to everything we do.
Position
Product and Customer Outcome Manager (Consumer Credit) – join our Insurance Money and Services team.
The Role
* This role is a key position within the Motor and Home Insurance teams, directly supporting delivery against our long-term strategy and regulatory obligations. It is essential for ensuring that our Premium Finance and debt management propositions are customer-centric, commercially sound, and fully compliant with Consumer Duty requirements.
* The role will be responsible for interpreting and managing customer outcome metrics specific to Premium Finance and debt journeys, providing actionable insights and recommendations to improve product performance and customer experience. It will ensure that our financing options are fair, transparent, and accessible, and that any associated debt management processes are handled with care and in line with regulatory expectations.
* This role is critical to maintaining robust oversight of key customer metrics, identifying areas of risk, and delivering enhancements that support good customer outcomes. It will also play a pivotal role in embedding Consumer Duty principles into our financing and debt management practices, ensuring we meet FCA expectations and uphold our commitment to treating customers fairly.
What you’ll be doing
* Completion and assessment of fair value via Periodic Product reviews, analytical deep dive into issues, and identification of new opportunities to improve our services and products.
* Manage & maintain day-to-day contact with business-critical suppliers and SMEs across the organisation, responding to and managing incidents, analysing performance and providing feedback on key SLAs/KPIs. Chair local forums and partner meetings to drive collaboration and take responsibility for adherence to governance frameworks.
* Define, deliver, and adapt insurance products to meet customer and business needs. Lead on cross-functional discovery sessions to assist in ideation, understand customer needs, leverage market research and horizon scanning to stay competitive.
* Conduct research to understand customer segmentations, trends, and expectations, informing product development and customer communications strategies.
* The individual will lead the development and governance of Premium Finance and debt management solutions across both Motor and Home Insurance, collaborating with cross-functional teams including Finance, Risk, Legal, and Customer Operations. They will drive improvements in customer journeys, communications, and documentation, ensuring that customers are supported throughout their financial interactions with us.
We need you to have
* Minimum 3 years’ experience in a similar role, ideally within consumer credit or consumer lending.
* A background that may include:
o Risk or lending product roles
o Experience in bank lending environments
o Time spent at firms such as Premium Credit, Close Brothers, or similar organisations
* In addition to relevant experience, the ideal candidate will:
o Be proactive and comfortable working independently
o Have strong attention to detail
o Be able to identify challenges and confidently drive forward solutions
o Demonstrate a clear understanding of customer needs, regulatory expectations, and commercial product delivery in the consumer credit domain
What’s in it for you
* Prepare for your retirement with our colleague pension scheme.
* Private Medical Insurance (WL2+) and virtual GP Service you and your family 365 days a year.
* Performance related annual bonus.
* Indulge in a generous holiday allowance with a minimum of 7.2 weeks, with the opportunity to buy more.
* Embrace the benefits of our Colleague Clubcard, enjoy a 10% discount that increases to 15% every payday. As an added perk, we’ll give you a second card to share with someone else.
* Take part in our Buy as you Earn and Save as your Earn share schemes.
Everyone’s welcome
We want all our colleagues to always feel welcome and be themselves. We’re committed to building a more inclusive workplace and celebrating everything that makes colleagues unique, and value the richness and diversity this brings to our business. A more diverse business helps us deliver on our purpose to serve our customers, communities, and planet a little better every day.
Interviews
Interviews are expected to be shortly after closing date.
Why Tesco Insurance and Money Services?
Seeing your impact all around you: there's no better feeling. We began life in 1997 and now help more than 2 million customers protect what matters to them.
How to apply
We value our people and diverse teams and believe the variety of backgrounds and experiences make us stronger to achieve our goals. If you’re interested in finding out more about what a career at Tesco Insurance and Money Services looks like, click apply to find out more!
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