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About the Role
Lead the commercial performance of a strategically important portfolio and shape the savings strategy for a growing challenger bank. This high-profile leadership opportunity involves ownership of deposit growth, retention, pricing, cost of funds, margins, distribution, and overall portfolio performance.
Responsibilities
- Develop and execute the Bank’s Savings proposition strategy and long-term growth plans.
- Own the commercial performance of the retail deposits portfolio, including balance growth, retention, funding mix, cost of funds, and margin.
- Lead the Savings product and pricing agenda, setting pricing strategy and overseeing delegated pricing decisions.
- Partner with Treasury and Finance to manage pricing and financial performance.
- Develop channel plans across direct and intermediated distribution.
- Manage relationships with deposit aggregators, marketplaces, brokers, and platform partners.
- Use customer, competitor, and market insight to identify opportunities and improve the customer journey.
- Oversee Savings marketing plans, distribution activity, and performance.
- Drive digital innovation across the Savings proposition.
- Lead effective pricing and commercial governance across the Bank.
- Proactively manage risk and ensure adherence to relevant regulatory, compliance, and conduct frameworks.
- Build strong relationships across the organisation to support the effective delivery of products and services.
- Provide clear strategic insight and recommendations to senior leadership and governance forums.
Requirements
- Established retail banking leader with significant Savings experience and a strong record of managing the commercial performance of a sizeable deposits portfolio.
- Combine strategic thinking with detailed commercial understanding.
- Comfortable influencing Executive and Board-level stakeholders.
- Significant product management and commercial leadership experience within retail banking, with specific expertise in Savings.
- Demonstrable ownership of a sizeable retail savings or deposits portfolio.
- Strong experience of savings pricing, financial performance, cost-of-funds management, and commercial analytics.
- Proven experience developing and delivering proposition and growth strategies.
- Strong knowledge of the UK savings market and its regulatory environment.
- Experience managing relationships with deposit aggregators, marketplaces, brokers, or platform partners.
- Ability to translate market, customer, and portfolio insight into clear commercial decisions.
- Strong leadership and people management capability.
- Excellent communication, presentation, negotiation, and influencing skills.
- Credibility to build effective relationships with Executive, Board-level, and senior functional stakeholders.
- Strong risk awareness and experience operating within regulatory, compliance, and conduct frameworks.
- Ability to translate strategy into clear and deliverable operational plans.
- Membership of an appropriate professional body.
Skills
- Savings proposition strategy
- Growth plans
- Commercial performance management
- Retail deposits portfolio management
- Balance growth
- Retention
- Funding mix
- Cost of funds management
- Margin management
- Product strategy
- Pricing strategy
- Distribution strategy
- Channel planning
- Relationship management
- Marketplace management
- Broker management
- Platform partner management
- Customer insight
- Competitor insight
- Market insight
- Customer journey improvement
- Marketing plan development
- Distribution activity management
- Digital innovation
- Pricing governance
- Commercial governance
- Risk management
- Regulatory adherence
- Compliance adherence
- Conduct framework adherence
- Strategic insight
- Leadership
- People management
- Communication skills
- Presentation skills
- Negotiation skills
- Influencing skills
- Strategic thinking
- Commercial understanding
- Product management
- Commercial analytics
- UK savings market knowledge
- Regulatory environment knowledge
Location
- London
- Basingstoke
Work Type
- Hybrid working
- Minimum of 3 office days per week
Experience Level
- Head of Savings
- Senior leadership
Education Level
- Membership of an appropriate professional body
Salary/Compensations
- Competitive salary
- Performance-related bonus
Benefits
- Generous contributory pension through Hargreaves Lansdown
- Life Assurance
- 28 days’ holiday plus bank holidays
- Option to buy or sell five additional days (not exceeding 30 days per year)
- An additional paid volunteering day
- Private medical insurance through Bupa
- Free access to BHSF Rise Employee Assistance Programme
- Gym discounts
- Season ticket travel loans, where applicable
About the Company
- Castle Trust Bank is a fintech challenger bank providing savings accounts, specialist property mortgages, and retail finance lending.
- We offer a supportive and inclusive culture where your leadership can have a real impact.
Equal Opportunity
- Castle Trust Bank is an equal opportunity employer.
- We celebrate diversity and are committed to creating an inclusive environment in which all our colleagues can thrive.
- Applications are welcomed from everyone, and our decisions are always based on individual skills, experience, and merit.
- We are proud to support people with disabilities and are committed to being a Disability Confident employer.
- If you are a person with a disability and meet the minimum criteria for this role, you will be offered an interview.
- If you require a reasonable adjustment to support you during the application or selection process, please contact talent@castletrust.co.uk.