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About the Role
This role focuses on ensuring compliance with Consumer Duty and PROD4, and embedding a culture of accountability and continuous improvement within the Commercial and Propositions team. The Proposition Governance Lead will act as a champion for governance, keep processes sharp, deliver clear insights to senior stakeholders, and influence decisions that drive great customer outcomes.
Responsibilities
- Apply the established governance framework for retirement propositions, ensuring compliance for the Retail Product Manufacturing unit, under Consumer Duty and PROD4.
- Ensure controls are followed, risks are escalated, and decisions are documented.
- Independently assess product performance, customer outcomes, and governance data to identify trends, risks, and issues.
- Engage with stakeholders to develop solutions and escalate concerns with clear, evidence-based recommendations.
- Maintain and update the Proposition Development Procedure (PDP) and Proposition Governance Process (PGP), securing approvals within required timescales.
- Lead the annual Fair Value Assessments and Product Reviews for all Retail products, ensuring completion within required timescales.
- Monitor and interpret regulatory publications related to Consumer Duty and PROD4, assessing impacts and embedding best practice across Retail propositions and processes.
- Collaborate effectively across Retail and Group functions to gather insights with a continuous improvement mindset, enabling a deeper understanding of Retail Customer Outcomes.
- Act as a champion for Retail Governance processes within Retail and the wider business.
Requirements
- Experience working within a governance or technical team in the pensions, wider retirement market or within financial services.
- Comprehensive knowledge of Consumer Duty and PROD4 requirements for product manufacturers of insurance, lending, and investment products.
- Proven experience implementing or embedding Consumer Duty or similar governance frameworks.
- Ability to interpret regulations and translate them into practical governance controls and processes.
- Ability to summarise complex subjects for varying audiences.
- Able to engage and manage relationships with various stakeholders, including senior management.
- Excellent problem analysis and resolution skills.
- Proficiency in governance reporting tools, data analytics, and leveraging technology to improve governance processes and insights.
Skills
- Governance
- Technical
- Pensions
- Retirement market
- Financial services
- Consumer Duty
- PROD4
- Product manufacturing
- Insurance
- Lending
- Investment products
- Governance frameworks
- Regulatory interpretation
- Process implementation
- Stakeholder management
- Problem analysis
- Problem resolution
- Governance reporting tools
- Data analytics
- Technology leveraging
Location
- London
Work Type
- Hybrid Working
- Permanent
- Full time
Experience Level
- Senior
Benefits
- Competitive salary
- Pension scheme
- Life assurance
- 25 days annual leave plus an additional day on us for your birthday
- Private medical cover
- Income protection
- Generous and highly achievable bonus scheme
- Opportunities to progress career in-role and within the company
- Free access to the Headspace app
- 24/7 employee assistance helpline
- Trained physical and mental health first aiders
- Variety of employee funded benefits available via online benefits portal
- Several additional purchase options available
About the Company
- We help people achieve a better later life. That’s our purpose and it’s the reason we exist. We are a fast-growing company helping customers enjoy the retirement they deserve. We do this through a variety of market leading, award-winning products and services, delivered by a diverse team of over 1,400 purpose-led colleagues who genuinely put the customer at the heart of everything we do. This is a brilliant time to join our business. We are on an exciting growth journey to become the UK’s most loved retirement expert.
Equal Opportunity
- Valuing diversity of thought and fostering a sense of belonging is critical to our business success, driving innovation and balanced decision making.
- Our work on DEIB (Diversity, Equity, Inclusion and Belonging) aims to deliver a brilliant employee experience underpinned by a sense of belonging, where our people feel proud to work at Just.
- We remain committed to our publicly disclosed HM Treasury Women in Finance Charter and Race at Work Charter targets and support a wide range of employee network and events, championing issues including intergenerational working, social mobility and neurodiversity.