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Senior Product Manager

As Senior Product Manager, you will sit within the Commercial and Marketing team of Argos Financial Services where your main objective is to manage regulatory change, to enable growth of retail credit. This includes managing key product proposition lines, ensuring they meet regulatory standards and ongoing business performance to achieve revenue and profit targets. This is a 12-month Fixed Term Contract, based at our central Milton Keynes office.

By adhering to regulatory requirements, we put the needs of the customer at the heart of how we work. We ensure fair treatment of our customers at all stages of their journey including sales, renewals and claims, consistently focusing on good customer outcomes.

You will be joining Argos Financial Services where our aim is to make life better every day for Argos customers. We help customers afford and protect what matters most, offering products and services including Credit, Warranties & Insurance. We are part of Sainsbury’s Bank, part of the wider Sainsbury’s Group, we’re an exciting and growing organisation and as our customers seek more innovative services and technology, being part of one of the UK’s most trusted brands brings our colleagues exciting opportunities to fulfil their potential. Here, you can be part of something bigger and help to create a new approach that puts the customer at the heart of everything we do.

As Senior Product Manager, you will;

Ensure AFS lending products operate in line with regulatory guidance, working with the 1st and 2nd line compliance, conduct and regulatory risk to ensure the products remain compliant.
Own the delivery of regular Product Governance reviews within the Commercial and Product Management team.
Provide response from a Commercial and Product Management perspective to regulatory consultation.
Drive change within the Product Management of the products in line with regulatory expectations which ensures that we continue to provide regulatory compliant products.
Set & manage KPIs that align with regulatory guidance and AFS strategic plans. This includes monitoring business performance regularly and proactively instigate remedial action when performance is not achieving KPIs and targets, nor regulatory compliance.
Support the AFS Customer team in creating marketing proposals, which support product strategy and drive key KPIs.

Manage and maintain New Product Development and product lifetime value of store cards in line with the overarching AFS strategic plan, regulatory guidance and change.
Develop profitable segment acquisition and existing customer strategies, reviewing marketing distribution channels and business models by product and segment.
Develop and document business cases for strategies for presentation to AFS Leadership team.

Lead the external monitoring and internal reporting of GI market and competitor developments, including pricing, to ensure AFS products are competitively positioned in the market.
Continuously review applicable product propositions to ensure they meet target customers' needs and to propose changes where appropriate.
Work alongside colleagues across AFS Product and Customer to ensure product proposition is represented in a compelling way to customers.

Put the customer at the heart of every decision and adopt and promote a culture that strives for best customer outcomes.
Ensure AFS products continue to meet the needs of our customers by undertaking regular conduct risk reviews.

As Senior Product Manager, you will have;

Extensive experience and a proven track record with product and commercial management.
Financial services experience including FCA or a similar regulated product environment.
Extensive experience in managing retail credit products including commercial and customer outcomes.
Experience of direct commercial responsibility for a product or set of products within retail and digital environment.
Experience of managing relationships with large suppliers.
The ability to network and stakeholder manage across a range of stakeholders in a range of roles, working at a range of levels. This includes challenging, persuading and influencing those senior business stakeholders.
The ability to think broadly, find links and relationship across complex business problems and produce innovative and pragmatic solutions to manage and deliver change.
Excellent planning/organisational skills, with an ability to balance a large range of priorities with drive and motivation.
Worked within a high-pressure role and demonstrates resilience and tenacity.
A customer focused outlook to ensure we create the right outcomes.
The ability to analyse data, spot trends and define clear actions
The ability to manage and motivate a high performing team of direct reports.

As well as the opportunity to join a great team you will also receive a competitive salary, 24 days’ holiday, and a range of other great benefits including bonus scheme, healthcare, pension and retail discounts. We are open to discussions around flexible working.

As this role involves working within a regulated environment any offer will be subject to satisfactory background checks including criminal record check, credit check, fraud check and employment references.


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