Senior Proposition Consultant

Virgin Money • Remote (Bolton, England, United Kingdom) • 16h ago

Business Unit: Group Unsecured Lending Salary range: £69,600 - £95,000 per annum + Benefits Location: UK Remote – Occasional travel required as per business needs 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

Individual Contributor in Squad Model: Work independently with no direct reports, supported by key contacts like Insight within a collaborative, squad-based structure.

Lead 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.

Develop intuitive, value-driven product features that elevate customer experience and foster long-term retention.

Design benefits and experiences that reward customer loyalty, deepen emotional connection, and reinforce long-term engagement with the brand.

Embed dynamic mechanisms that recognise and incentivise customer behaviours, creating a compelling value exchange that drives deeper product usage and brand affinity.

Develop and execute post-acquisition engagement strategies using data and behavioural insights to deliver timely, relevant experiences that build trust and advocacy.

Act as the commercial lead in key initiatives, driving strategy from conception to execution and ensuring measurable business outcomes.

Stay ahead of industry trends, identifying opportunities to challenge norms, introduce breakthrough innovations, and set new standards in the credit card market.

cross-functionally with internal teams and external partners to align product strategy with business objectives and market opportunities.

Oversee 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.

Market-leading pension.

Free private medical cover, income protection and life assurance.

Flexible benefits include Cycle to Work, wellness and health assessments, and critical illness.

And there's no waiting around, you'll enjoy these benefits from day one.

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.

Say hello to Virgin Money

Virgin Money is so much more than just a bank. As part of the Nationwide group, together we're the UK's first full-service mutual bank serving millions of retail and business customers and all driven by our purpose ; Banking but fairer, more rewarding and for the good of society. With us, you’ll be part of an organisation uniquely positioned to make a difference to the lives of customers, communities and broader society and embark on a collaborative, customer obsessed, and fun-filled career journey. Embrace the weekdays, enjoy fantastic perks, and make a meaningful positive difference. Time to discover what it means to be part of the first mutual full-service banking provider.

Be yourself at Virgin Money

At Virgin Money, we celebrate everyone. We have fun, think big, and relentlessly include each other, all in pursuit of our purpose: Banking – but fairer, more rewarding, and for the good of society.   We’re committed to creating an inclusive culture where colleagues feel safe and inspired to contribute, speak up and be heard.

As a Disability Confident Leader, we're committed to removing any obstacles to inclusion. If you need any reasonable adjustments or support making your application, contact our Talent Acquisition team careers@virginmoney.com

Please note: If we receive a high volume of eligible applications, we may need to prioritise candidates whose skills and experience most closely align with the role, while still ensuring fair and equitable consideration for all applicants.

Now the legal bit Although some of our roles allow you to be based anywhere in the UK, we'll need you to confirm you have the right to work in the UK.

If you're successful in securing a role with us, there are some checks you need to complete before starting. These include credit and criminal record checks and three years' worth of satisfactory references. If the role is part of the Senior Manager Regime and Certification Regime, it requires enhanced pre-employment checks – we'll ask for six years of regulatory references, and once in the role, you'll be subject to periodic employment checks.

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