Location: Head Office, London
Hours: Monday to Friday, 9:00am-5:30pm
Working Pattern: Hybrid (London 50% minimum)
Reports to: Deputy MD, Savings & Marketing
Department: Savings & Marketing - Savings Team
We're looking for a strategic, customercentric and commercially minded Product & Proposition Manager to help shape, grow and optimise HTB's awardwinning savings proposition across personal, business and charity markets.
This role is ideal for someone who thrives at the intersection of product development, customer experience, digital journey design and commercial analysis. You'll play a key part in defining the endtoend savings experience, enhancing digital journeys, managing product lifecycles, and driving forward a roadmap of change that supports HTB's ambitious growth plans.
If you're passionate about delivering modern, intuitive, highperforming savings products and using dataled insights to drive improvements - this is an exciting opportunity to make a big impact.
Proposition, Customer Experience & Digital Journeys
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Lead the design and continuous improvement of digitalfirst savings journeys across acquisition, onboarding, servicing and retention.
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Use customer insights, behavioural data and complaints themes to identify friction points and define enhancements.
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Collaborate with CX, marketing and operations to ensure experiences are seamless, compliant and consistently customerfocused.
Product Lifecycle Management
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Manage the full savings product suite - including Easy Access, FixedTerm, Notice Accounts, ISAs and SME deposits.
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Undertake commercial analysis, product reviews and fair value assessments.
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Monitor competitors and market trends to inform product improvements and new propositions.
New Product Development & Enhancements
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Design, develop and launch new savings products and features endtoend.
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Create business cases, product proposals and customer impact assessments.
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Work crossfunctionally to bring new propositions to market effectively.
Change, Roadmap & Backlog Ownership
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Own and prioritise the savings change roadmap across digital journeys, product rules, processes and platform enhancements.
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Write clear requirements/user stories and support tech teams with acceptance criteria.
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Work closely with transformation, operations, Finova and technology partners to ensure change is wellsequenced and aligned to strategy.
Governance, Risk & Compliance
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Ensure all propositions meet Consumer Duty, Conduct, AML/KYC and BCOBS obligations.
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Maintain robust product governance, controls and documentation.
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Provide insights, materials and recommendations for key governance forums.
You'll collaborate with:
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Chief Commercial Officer
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Savings & Marketing MD
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Product Operations & Change Team
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Marketing & CX Teams
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Compliance, Finance, Legal & Treasury
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External partners (website agencies, digital/content/PR agencies, comparison sites, design agencies)
Required:
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Experience in financial services (savings, deposits or related products)
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Proven track record improving digital customer journeys
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Experience in product management, proposition development or CX
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Exposure to change delivery, requirements writing and roadmap/backlog management
Desirable:
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Knowledge of ISA rules and regulatory considerations for savings products
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Experience with core banking platforms (e.g., Finova) and digital delivery
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Strong analytics, commercial modelling and product performance analysis
Skills & Attributes:
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Customerfirst mindset with strong commercial judgement
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Excellent written and verbal communication
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Ability to handle multiple priorities in a fastmoving environment
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Strong stakeholder management and crossteam collaboration
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Degreelevel education or equivalent experience
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Competitive remuneration
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Discretionary annual bonus
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Annual pay review
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Private Medical Insurance (Bupa)
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Mental health & wellbeing support via YuLife & Bupa
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25 days annual leave (increasing with service) + Holiday Buy Scheme
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Cycle to Work Scheme & Green Car Scheme
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Enhanced family leave policies
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Study support & professional memberships
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Hybrid working (50/50 London)
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YuLife Rewards - retail, lifestyle & experience discounts
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Pension scheme - 8% employer contribution (noncontributory)
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Interestfree season ticket loan
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Annual volunteering day & Net Zero employer commitment
If you're excited by the opportunity to shape the future of an awardwinning savings proposition at a specialist UK bank, we'd love to hear from you.
