Product & Proposition Analyst – Cards – insider IR35 contractor

Location: UK (Hybrid – London 1–2 days per week)
Experience: 5+ years

The Opportunity:

This is a fantastic opportunity to join a UK-based bank investing heavily in cards and embedded finance, supporting the build and evolution of a next-generation cards proposition.

You’ll work closely with senior leadership and the Product & Proposition Lead to help shape strategy, drive execution, and bring new card products and features to market.

What You’ll Be Doing:

• Support the development and execution of the cards strategy and proposition roadmap
• Work across end-to-end card payment journeys (authorisation, clearing, settlement, disputes)
• Collaborate with cross-functional teams including product, technology, operations, compliance, and commercial
• Analyse data to identify trends, performance gaps, and optimisation opportunities (e.g. approval rates, customer behaviour)
• Translate complex insights into clear, actionable recommendations for stakeholders
• Support product launches, including requirements gathering, testing, and go-live coordination
• Help manage project timelines, risks, and dependencies across multiple initiatives
• Contribute to customer and market analysis, helping shape value propositions and segment strategies
• Prepare materials for senior stakeholders, including presentations and business cases

What We’re Looking For:

• 5+ years’ experience within cards, payments, or fintech
• Strong understanding of card payment flows and ecosystem (issuer, acquirer, schemes such as Visa / Mastercard)
• Experience supporting product or proposition development within a cards environment
• Commercial mindset with the ability to understand customer needs and value drivers
• Strong analytical skills (Excel essential; experience interpreting transactional/payment data)
• Proven ability to work across cross-functional teams and complex environments
• Excellent communication skills — able to simplify complexity and influence stakeholders
• Experience supporting projects or product launches