Head of Savings, Wealth & Payments

• Own the overall strategic direction, design, development, and day-to-day management of Atom’s propositions across Savings, Payments, and future Wealth products. • Lead a product proposition team and key value streams, ensuring market-leading product design and effective pricing strategies. • Keep propositions in strict adherence with regulatory, Compliance, and Conduct Risk requirements. • Act as a critical subject matter expert, liaising with industry bodies, key internal stakeholders, and governance committees. • Join a Commercial team that uses insight and intelligence to drive digitally delivered propositions, with an emphasis on transparency, fairness, and value. • Hold significant regulatory responsibility as a Certified Material Risk Taker under the SMCR, undergoing annual certification to remain fit and proper. • Work flexible hybrid from Newcastle city centre on a four-day week.

• Bring significant experience in proposition or product management within retail banking financial services, with demonstrable experience across savings and wealth. • Bring demonstrable customer research and insight experience. • Bring up-to-date regulatory and market knowledge. • Bring experience managing pricing and risk strategies for products. • Be highly numerate and articulate. • Stay commercially astute and customer oriented. • Bring strong influencing and stakeholder management skills. • Hold the legal right to work in the UK, as Atom cannot support visa applications or sponsorship. • Adhere to the Conduct Rules set out by the Prudential Regulation Authority and the Financial Conduct Authority.

• Bring experience acting as a nominated Senior Payments Executive for schemes such as Faster Payments and Bacs. • Bring experience representing a firm in industry payment forums and liaising directly with payment scheme providers. • Bring experience operating under the SMCR as a Certified Material Risk Taker. • Bring experience launching new product categories, such as building a wealth proposition from scratch. • Bring experience leading teams across Finance, Risk, Operations, and Change or Technology stakeholders. • Bring familiarity with the FCA’s Consumer Duty and delivering fair customer outcomes.

• Develop long-term strategic proposition plans and short-term proposition management across Savings, Wealth, and Payments, setting and prioritising product roadmaps with clear business value. • Lead the product proposition team, working collaboratively with all business functions on design, development, and performance management. • Manage proposition performance across all areas, including pricing and financial performance alongside Finance, Risk, and Operations. • Oversee product level customer and client journeys and the supporting proposition processes. • Lead governance and oversight over the categorisation and prioritisation of solutions and features supporting strategic intent and regulatory status. • Act on behalf of Atom in relevant industry payment forums and liaise directly with payment scheme providers, including as nominated Senior Payments Executive for Faster Payments and Bacs. • Proactively identify and manage the risks involved in building and running the bank, covering propositional regulatory, Compliance, and Conduct Risk adherence. • Take accountability for functional and managerial leadership of the combined team, setting the standards for a high-performing culture. • Manage relationships with key stakeholders across Finance, Risk, Operations, and Change and Technology. • Pay due regard to all relevant legal and regulatory requirements and help the bank provide fair customer outcomes.

Atom bank is one of the most compelling places to work in UK fintech right now, and not just because of the four-day working week. Atom became profitable for the first time in 2024 and has grown its loan book by 29% to £5.3 billion, while being consistently rated the UK's highest-rated bank by its customers on Trustpilot. The four-day work week is real and established: in November 2021, Atom became the largest company and only bank in the UK to introduce the policy for all employees, genuinely reducing contracted hours from 37.5 to 34 per week with no salary cut, and job applications rose 49% as a result. There is also genuinely no mandatory office attendance, with only around 10% of staff regularly coming in. What really stands out is that Atom has done all of this from Newcastle, building one of the UK's best-loved banks without ever opening a London office. Glassdoor reviewers consistently highlight the brilliant people, the no-blame culture, and the interesting and meaningful work. The main caveat to note is that some employees, particularly at more senior levels, have reported limited progression opportunities as the company matures beyond its early startup phase. But if you want to work somewhere that backs its values with action, a genuinely flexible, people-first bank that is growing sustainably and has a product its customers genuinely love, Atom is hard to beat.

• Earn a salary of £125k to £150k depending on experience. • Receive a car allowance of £8k a year. • Work flexible hybrid from Newcastle city centre. • Work a four-day week. • Earn a discretionary cash bonus based on individual and company performance. • Join an incredibly generous company pension scheme, with Atom contributing up to 13% and the option to add more yourself. • Spend £200 a year on personal development through the ‘All About Me’ fund. • Take 25 days annual leave plus public holidays. • Access private medical insurance, a health cash plan, and life insurance. • Join the electric vehicle scheme.

Atom bank is the UK’s first app-based bank, on a mission to make finance faster, simpler and more human. It has ditched the traditional banking model to build something that works for customers whenever and wherever they need it. Its Commercial team develops the end-to-end customer experience, using insight and intelligence to drive digitally delivered propositions with an emphasis on transparency, fairness and value, and works to keep Atom’s products differentiated and ahead of the market.