" \u003cdiv class=\"ja-job-details\"\u003e \u003ch2 class=\"title\"\u003e26064 - Retail Proposition Manager\u003c/h2\u003e \u003cdiv class=\"meta\"\u003e \u003cul class=\"classifications\"\u003e \u003cli data-id=\"25461\"\u003e Retail \u003c/li\u003e \u003cli data-id=\"25462\"\u003e Retail - Other \u003c/li\u003e \u003cli data-id=\"25463\"\u003e Greater London \u003c/li\u003e \u003cli data-id=\"25464\"\u003e Permanent / Full Time \u003c/li\u003e \u003c/ul\u003e \u003cp class=\"date-posted\"\u003e 22/10/2026 \u003c/p\u003e \u003c/div\u003e \u003cdiv class=\"description\"\u003e Job Title: \u003cstrong\u003eRetail Proposition Manager\u003c/strong\u003e\u003cbr\u003e Sector: \u003cstrong\u003eBanking\u003c/strong\u003e\u003cbr\u003e Salary: \u003cstrong\u003eCompetitive\u003c/strong\u003e\u003cbr\u003e Location: \u003cstrong\u003eLondon / Hybrid\u003c/strong\u003e\u003cbr\u003e Job Ref: \u003cstrong\u003e26064\u003c/strong\u003e\u003cbr\u003e \u0026nbsp;\u0026nbsp;\u003cbr\u003e \u003cstrong\u003eJob Summary:\u003cbr\u003e \u003c/strong\u003e\u003cbr\u003e The Retail Proposition Manager is responsible for the end-to-end ownership, management, growth, and profitability of the Bank\u0027s Retail Banking Proposition delivered through its digital banking platform.\u003cbr\u003e\u003cbr\u003e The role will lead the development and execution of the retail customer proposition, customer acquisition and engagement strategies, revenue generation, and balance sheet growth while ensuring a superior customer experience.\u0026nbsp;\u003cbr\u003e\u003cbr\u003e The role holder will act as the primary business owner for the retail segment and will be accountable for driving customer acquisition, deposit growth, customer retention, product penetration, profitability, and digital adoption.\u003cbr\u003e\u003cbr\u003eIn addition, the Retail Proposition Manager will oversee a team of Account Managers responsible for servicing affluent and high-value customers requiring relationship-based support outside of the digital self-service model.\u003cbr\u003e\u003cbr\u003e \u003cstrong\u003eExperience Requirements:\u003cbr\u003e\u003c/strong\u003e\u003cbr\u003e Minimum 10 years in retail segment and relationship management role with a proven track record of delivering successful and profitable retail channel.\u0026nbsp;\u0026nbsp;\u003cbr\u003e \u0026nbsp;\u0026nbsp;\u003cbr\u003e \u003cstrong\u003ePerson\u0026rsquo;s Description / Skills:\u003c/strong\u003e\u003cbr\u003e \u003cul\u003e \u003cli\u003eStrategic Thinking\u003c/li\u003e \u003cli\u003eCommercial Acumen\u003c/li\u003e \u003cli\u003eDigital Banking Expertise\u003c/li\u003e \u003cli\u003eCustomer-Centric Leadership\u003c/li\u003e \u003cli\u003eBalance Sheet Management\u003c/li\u003e \u003cli\u003eFinancial Analysis\u003c/li\u003e \u003cli\u003eProduct \u0026amp; Proposition Development\u003c/li\u003e \u003cli\u003eStakeholder Management\u003c/li\u003e \u003cli\u003eLeadership \u0026amp; People Development\u003c/li\u003e \u003cli\u003eInfluencing \u0026amp; Negotiation\u003c/li\u003e \u003cli\u003eChange Management\u003c/li\u003e \u003cli\u003eRegulatory Awareness\u003c/li\u003e \u003c/ul\u003e \u0026nbsp;\u0026nbsp;\u003cbr\u003e \u003cstrong\u003eResponsibilities:\u003c/strong\u003e\u003cbr\u003e \u003cstrong\u003eSegment Strategy \u0026amp; Business Ownership\u003c/strong\u003e:\u003cbr\u003e \u0026nbsp;\u0026nbsp;\u003cbr\u003e \u003cul\u003e \u003cli\u003eDevelop and execute the retail banking segment strategy aligned with the Bank\u0027s overall growth objectives.\u0026nbsp;\u003c/li\u003e \u003cli\u003eOwn the end-to-end retail customer journey across the digital banking platform.\u003c/li\u003e \u003cli\u003eDefine and manage target customer segments, value propositions, and growth plans.\u003c/li\u003e \u003cli\u003eIdentify opportunities to increase market share, customer acquisition, retention, and wallet share.\u003c/li\u003e \u003cli\u003eLead the annual business planning process for the retail segment.\u003c/li\u003e \u003cli\u003eProposition Development \u0026amp; Customer Experience\u003c/li\u003e \u003cli\u003eWork with Group to design, enhance, and manage retail banking propositions, products, and services.\u003c/li\u003e \u003cli\u003eEnsure products and customer solutions remain competitive within the UK retail banking market and aligned to Group\u003c/li\u003e \u003cli\u003eDrive customer-centric innovation and continuous improvement of the digital banking experience.\u003c/li\u003e \u003cli\u003eWork closely with Product, Digital, IT, Operations, Compliance, and Marketing teams to deliver new propositions and enhancements.\u003c/li\u003e \u003cli\u003eMonitor customer feedback, market trends, and competitor developments to identify opportunities for improvement.\u003c/li\u003e \u003c/ul\u003e \u0026nbsp;\u0026nbsp;\u003cbr\u003e \u003cstrong\u003eRevenue \u0026amp; Profitability Management:\u003c/strong\u003e\u003cbr\u003e \u003cul\u003e \u003cli\u003eOwn the financial performance of the retail segment.\u003c/li\u003e \u003cli\u003eDeliver agreed revenue, profitability, and growth targets.\u003c/li\u003e \u003cli\u003eDevelop strategies to increase deposits, balances, product holdings, and customer lifetime value.\u003c/li\u003e \u003cli\u003eMonitor revenue performance and implement corrective actions where required.\u003c/li\u003e \u003cli\u003eDevelop and manage pricing strategies in collaboration with Treasury and Product teams.\u003c/li\u003e \u003c/ul\u003e \u0026nbsp;\u0026nbsp;\u003cbr\u003e \u003cstrong\u003eBalance Sheet Growth \u0026amp; Portfolio Management:\u003c/strong\u003e\u0026nbsp;\u003cbr\u003e \u003cul\u003e \u003cli\u003eDrive growth of retail balances.\u003c/li\u003e \u003cli\u003eMonitor segment-level balance sheet performance and profitability metrics.\u003c/li\u003e \u003cli\u003eWork closely with Treasury and Finance teams to optimise funding and deposit strategies.\u003c/li\u003e \u003cli\u003eDevelop initiatives to improve customer balances, retention, and engagement.\u003c/li\u003e \u003cli\u003eTrack and manage key portfolio indicators and performance metrics.\u0026nbsp;\u003c/li\u003e \u003c/ul\u003e \u0026nbsp;\u0026nbsp;\u003cbr\u003e \u003cstrong\u003eCommunication \u0026amp; Marketing:\u003c/strong\u003e\u003cbr\u003e \u003cul\u003e \u003cli\u003eOwn the retail segment communication strategy.\u003c/li\u003e \u003cli\u003eWork with Marketing and Digital teams to deliver acquisition, onboarding, engagement, and retention campaigns.\u003c/li\u003e \u003cli\u003eEnsure consistent and effective communication across all customer touchpoints.\u003c/li\u003e \u003cli\u003eSupport brand-building initiatives and customer education programmes.\u003c/li\u003e \u003cli\u003eDevelop targeted campaigns for specific customer segments and life-stage needs.\u003c/li\u003e \u003c/ul\u003e \u003cstrong\u003e\u0026nbsp;\u003c/strong\u003e\u0026nbsp;\u003cbr\u003e \u003cstrong\u003eDigital Banking Leadership:\u003c/strong\u003e\u003cbr\u003e \u003cul\u003e \u003cli\u003eAct as business owner for the retail digital banking proposition.\u003c/li\u003e \u003cli\u003eChampion digital adoption and self-service capabilities.\u003c/li\u003e \u003cli\u003eDrive the utilisation and enhancement of digital channels.\u003c/li\u003e \u003cli\u003eCollaborate with technology teams to deliver digital transformation initiatives.\u003c/li\u003e \u003cli\u003eDefine requirements for new features and customer experience improvements.\u0026nbsp;\u003c/li\u003e \u003c/ul\u003e \u0026nbsp;\u0026nbsp;\u003cbr\u003e \u003cstrong\u003eRelationship Banking \u0026amp; Affluent Client Management:\u003c/strong\u003e\u003cbr\u003e \u003cul\u003e \u003cli\u003eLead, coach, and manage a team of Account Managers supporting affluent and relationship managed customers.\u003c/li\u003e \u003cli\u003eEstablish service standards and relationship management frameworks.\u003c/li\u003e \u003cli\u003eEnsure high levels of customer satisfaction and retention within the affluent customer segment.\u003c/li\u003e \u003cli\u003eSupport business development initiatives targeting high-value customers.\u003c/li\u003e \u003cli\u003eMonitor portfolio performance and relationship manager productivity.\u003c/li\u003e \u003c/ul\u003e \u0026nbsp;\u0026nbsp;\u003cbr\u003e \u003cstrong\u003eRisk, Governance \u0026amp; Compliance:\u003c/strong\u003e\u0026nbsp;\u003cbr\u003e \u003cul\u003e \u003cli\u003eEnsure full compliance with regulatory and internal governance requirements.\u003c/li\u003e \u003cli\u003eMaintain strong risk management practices across the retail segment.\u003c/li\u003e \u003cli\u003eWork closely with Compliance, Risk, and Operations teams to ensure effective controls.\u003c/li\u003e \u003cli\u003eEnsure conduct risk and customer outcome considerations are embedded within all segment activities.\u003c/li\u003e \u003cli\u003eSupport internal and external audits where required.\u003c/li\u003e \u003cli\u003eAs a business risk officer, ensure that the department\u0026rsquo;s ORSA risk covers all key risks of the function and highlights as necessary when controls are not operating effectively and that it remains current throughout the period.\u003c/li\u003e \u003c/ul\u003e \u003c/div\u003e \u003cdiv class=\"apply\"\u003e \u003ca class=\"back-link\" href=\"#\" title=\"Back to search results\"\u003eBack to search results\u003c/a\u003e \u003cinput type=\"button\" class=\"ja-button\" data-job-id=\"718997\" value=\"Apply Now\" title=\"Apply Now\" /\u003e \u003c/div\u003e \u003c/div\u003e "