Head of Banking Products

 Head of Banking Products – Financial Services

About the Role
We are looking for an experienced product leader to drive the strategy, commercial performance and customer outcomes across a diverse portfolio of banking products. This is a senior leadership position responsible for shaping the future direction of personal and business banking propositions within a fast-evolving and transformation-focused environment.
You will take ownership of a broad product suite spanning current accounts, savings, and partnership propositions across retail, SME, corporate and commercial segments. The role requires a balance of strategic vision and hands-on execution, working across commercial, risk, compliance, engineering and delivery teams.

Key Responsibilities

• Define and drive the short- and long-term strategy for a multi-segment banking product portfolio.
• Own commercial planning, performance monitoring and optimisation across products.
• Use customer insight and data analytics to support product lifecycle management, from new proposition development through to in-life optimisation and product retirement.
• Ensure products are delivered safely and align with regulatory expectations, conduct requirements and customer outcome standards.
• Identify and manage customer harm and portfolio risk exposures.
• Work collaboratively with delivery, forecasting, payments, fees and control functions to prioritise change initiatives.
• Promote a strong risk-aware culture and support the organisation’s maturity in customer-focused risk management.
• Lead, coach and develop a team of senior product managers and product managers.
• Maintain awareness of market trends, customer behaviour and innovation across the banking sector.

Key Skills and Experience

• Extensive experience in product management and proposition development within banking or financial services.
• Proven ability to set commercial and customer strategy and secure senior stakeholder buy-in.
• Strong understanding of personal and business banking current accounts and savings markets.
• Demonstrable experience delivering measurable customer and commercial benefits through change programmes.
• Knowledge of regulatory and conduct frameworks, including customer outcome-focused design principles.
• Ability to operate confidently across strategic and operational levels, translating complex topics into clear and actionable outcomes.
• Experience coaching and leading product teams within a matrix organisational structure.
• Proficiency in analytical and insight tools such as PowerBI and Excel.

Preferred Background

• Experience in challenger banking, fintech or mid-sized financial institutions is highly desirable.
• Candidates should demonstrate breadth across multiple customer segments, not just deep expertise in a single vertical.
• Exposure to transformation environments and evolving business models is advantageous.

What We Are Looking For

• Strong commercial mindset linked directly to customer value and outcome delivery.
• Ability to operate in ambiguous or changing environments.
• Proven prioritisation and decision-making capability.
• Comfortable influencing senior stakeholders while also being willing to engage in detailed execution when required.
• Passion for product innovation, customer experience and responsible banking.

Interview Process

• Presentation exercise focused on strategic thinking, business banking innovation and data-driven proposition development.
• Senior leadership interview exploring approach, experience and strategic alignment.

This is a high-impact leadership role offering the opportunity to influence the future of banking products within a transformation-focused organisation.