Dependent on experience Are you an experienced product strategy leader and a subject matter expert in consumer credit? If you have deep understanding of how to operationalise regulatory and legal requirements underpinning consumer credit, this could be the role for you. You’ll own design and implementation of the consumer lending strategy and associated propositions for AXA Commercial. You’ll design, develop and launch effective solutions for customers that meet their needs at point of sale and on an ongoing basis. You’ll be the technical product owner and use your consumer credit expertise to navigate regulatory and legal landscapes, creating an optimised end to end framework and service proposition. At AXA we work smart, empowering our people to balance their time between home and the office in a way that works best for them, their team and our customers. You'll work at least 40% of your week away from home, moving to the majority of your working week from September 2025. Away from home means either attendance at one of our office locations, visiting clients or attending industry events. Monthly meetings in London. We’re also happy to consider flexible working arrangements, which you can discuss with Talent Acquisition. What you’ll be doing: Develop and implement AXA Commercial’s overall strategy for consumer credit products, ensuring alignment with regulations, legislation and broader AXA UK&I businesses. Identify market trends, emerging risks and consumer needs. Design a clear end-to-end product roadmap including customer facing and back end administrative processes. Act as consumer credit lead for AXA Commercial’s transformation programme, which includes migration to a new credit facility with a third party. Oversee design and launch of changes to consumer credit proposition, which meet regulatory standards and customer expectations. Own third party relationships and implement a framework to oversee effectiveness and monitor appropriateness of consumer outcomes. Collaborate with Product Owners and Underwriting on operational processes. Partner with Head of Credit Risk to ensure appropriate monitoring of credit risk exposure. Put in place appropriate measures to product design and associated processes to manage delinquency and default rates. Build a suite of product key performance indicators (KPIs) and key risk indicator (KRIs) to allow effective product and risk management. Ensure products provide fair value to customers. Due to the number of applications we expect to receive for this role, we reserve the right to close this advert earlier than the listed closing date to ensure we’re able to effectively manage interest. Therefore, if you’re interested in joining us at AXA, please don’t hesitate to apply. What you’ll bring: Significant demonstratable experience in a senior consumer credit strategic role – essential Experience of working in a large international business with group requirements, UK policy and frameworks, and local requirements. Financial Services industry knowledge of how key issues and risks affect credit lending and broking. Expertise to navigate a complex, uncertain and changing regulatory backdrop. Ability to take complex issues and distil these into simple concepts for business stakeholders. Management of opposing stakeholder requirements. Identify and implement solutions that balance conduct, operational and financial risk. Influencing and negotiation skills. Judgement and prioritisation skills. As a precondition of employment for this role, you must be eligible and authorised to work in the United Kingdom. This position has been defined as an Insurance Distribution Directive (IDD) role under the IDD regime which means that in addition to pre-employment screening checks, the successful candidate will be subject to background screening every 4 years with an annual declaration in interim years. What we offer: At AXA UK, we’re appreciative of the people who work for us and our rewards package is reviewed regularly to reflect that. You can expect to receive: Competitive annual salary dependent on experience Annual company & performance-based bonus Contributory pension scheme (up to 12% employer contributions) Cash car allowance £5,200 Private health cover Life Assurance (up to 10 x annual salary) 28 days annual leave plus Bank Holidays Opportunity to buy up to 5 extra days leave or sell up to 5 days leave AXA employee discounts Gym benefits To apply, click on the ‘apply for this job’ button, you’ll then need to log in or create a profile to submit your CV. We’re proud to be an Equal Opportunities Employer and don’t discriminate against employees or potential employees based on protected characteristics. If you have a long-term condition or disability and require adjustments during the application or interview process, we’re proud to offer access to the AXA Accessibility Concierge. For our support, please send an email to jennifer.manuelaxa-uk.co.uk. LI-DNP Who we are: AXA Commercial protects businesses, from multinationals to micro start-ups, giving them the confidence to thrive. We’re currently making our biggest ever investment to develop the expertise and skills we need to be the best. We’re a vibrant community where everyone is supported to learn, develop, and take ownership of their work.