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Retail Protection Senior Product Development Consultant

125331

Retail Protection Senior Product Development Consultant

Working hours: This role is available on a part-time, job-share or full-time basis.

Location: Flexible, UK - some travel to our Life Head Office in Swindon

Closing date for applications: 8 th August 2025

The opportunity:

An exciting opportunity has arisen within Zurich’s Retail Protection business for a Senior Product Development Consultant to join the team who are responsible for developing and maintaining Zurich’s individual protection products

You'll lead the design and implementation of Zurich’s retail protection products that our customers need to secure their financial futures. Whilst supporting the proposition management of these products once live.

The role offers a large degree of autonomy and the opportunity to work closely with the Head of Propositions and other Protection Specialists to ensure we continue to deliver market leading propositions that consistently deliver good customer outcomes.

We are looking for a customer centric minded individual, with an excellent understanding of the UK Retail Protection Market, to act as a product owner and work with subject matter experts from across the business to evolve and lead the development of our propositions. This will start by putting the customer at the centre and developing propositions that genuinely meet their protection needs, involving a complete end to end customer journey approach. Whilst balancing how Zurich meets these customer needs with the needs of advisers and our shareholders.

What will you be doing?

The primary purpose is to work with your Proposition Development colleagues and other subject matter experts from across the business to design and implement new and improved retail protection products. This will involve leading all aspects of the product development process from ideation to implementation and post launch monitoring.

As a product owner you will also support the Proposition Management Manager to ensure the ongoing regulatory compliance of our individual protection products.

Key accountabilities include, but are not limited to:

• Developing ideas to enhance existing and new protection propositions to better meet customer needs based on rigorous analysis of those needs and how they can be met within the protection market
• Maintaining a deep understanding of the protection market, competitors and customer needs to identify gaps and opportunities where Zurich could improve customer outcomes and create commercial advantage for our shareholders.
• Leading feasibility studies of new product ideas, build business cases, and recommend whether to proceed.
• Leading the implementation of developments to refresh, upgrade, or create new protection propositions.
• With the support of subject matter experts from all areas of the business, ensure all proposition developments meet genuine customer needs, offering personalisation and flexibility efficiently and cost-effectively.
• Using your deep understanding of the product development process to proactively identify and mitigate delivery and regulatory risks before launch.
• Using your commercial acumen to ensure all developments balance the commercial aspects of protection plans, such as pricing and reinsurance, as part of development process.
• Analysing key business, market and customer MI to identify proposition areas for potential improvement.
• Supporting the completion of our products’ annual review and fair value assessments.
• Understanding regulatory changes and the impact on the protection market including defining the required proposition changes to ensure ongoing compliance.
• Acting as a Retail Protection expert across the business, helping other areas as required.

What are we looking for?

We’re looking for someone who has the following skills/experience:

• A passion for being part of our journey to protect customers’ financial futures.
• Excellent experience of the UK Retail Protection market, with a deep understanding of the advised and ideally the non-advised market.
• A strong understanding of the UK Life regulatory landscape.
• A proven track record of leading successful proposition developments.
• Experience of developing UX and CX improvements is desirable.
• Experience of AI led opportunities to improve the CX would also be advantageous.
• You will be a self-starter who is persistent to overcome obstacles and challenges to meet customer needs
• Comfortable using and interpreting data, MI, research, customer and adviser feedback to identify potential proposition improvements which ultimately balance competing demands and arrive at an optimal proposition design.
• Excellent communication skills tailored to each situation, ensuring all stakeholders can contribute and feel listened to.
• Model behaviours that demonstrate commitment to Zurich’s corporate values.
• Provide expert opinion and support for team members and wider business.
• Take action to manage your own personal development.

What will you get in return?

Everyone’s different. That’s why at Zurich, we offer a wide range of employee benefits so our people can choose what fits them and their life. Our benefits provide real flexibility so our people can make considered choices and tailor their benefits throughout the year. Our benefits include 12% defined non-contributory pension scheme, annual company bonus, private medical insurance and the option to buy up to an additional 20 days or sell some of your holiday.

As an inclusive employer we want to ensure that all candidates feel comfortable and are able to perform at their best during the interview. You’ll have the opportunity to let us know of any reasonable adjustment or practical support needed when you apply.

Who we are:

At Zurich we aspire to be one of the most responsible and impactful businesses in the world and the best global insurer. Together we’re creating a brighter future for our customers, our people and our planet.

With over 55,000 employees in more than 170 countries , you’ll feel the support of being part of a strong and stable company who are a long-standing player in the insurance industry.

We’ve made a promise to each other and every employee; to focus on sustainable impact, to care about each other’s wellbeing, to use our diverse expertise to be curious and optimistic and to develop the skills needed for our future.

If you're interested in working in a dynamic and challenging environment for a company that recognises and rewards your creativity, initiatives and contributions - then Zurich could be just the place for you. Be part of something great.

Our Culture:

At Zurich, our sense of community is strong and we’re particularly passionate about diversity and inclusion, which we’ve won numerous awards for. We want our people to bring the whole of themselves to work and ensure everybody is made to feel welcome, regardless of their background, beliefs or culture. We want our employees to reflect the diversity of our customers, and so are committed to treating all of our applicants fairly and with respect, irrespective of their actual or assumed background, disability or any other protected characteristic.

We’ve an environment that places a real importance on our people’s wellbeing from a physical, mental, social and financial perspective. We work with our wellbeing partners and industry experts to provide the best advice and access to a wealth of lifestyle support. We’re also committed to continuous improvement and we offer access to a comprehensive range of training and development opportunities.

We’re passionate about supporting employees to help others by getting involved in volunteering, charitable and community activity. Our charitable arm,Zurich Community Trust, is one of the longest-established corporate trusts in the UK. In that time, we’ve awarded grants and volunteered time to deserving causes in the UK valued at over £90 million.

So, make a difference. Be challenged. Be inspired. Be supported. Love what you do. Work for us.

The financials

• 12% defined non-contributory pension scheme.
• Annual company bonus.
• Income Protection.
• Life cover - four times your salary.

• 25 days holiday a year plus bank holidays.
• You can also request to swap UK bank holidays for days off that have cultural or religious significance to you.
• The option to buy up to an additional 20 days or sell some of your holiday.
• Three days paid volunteering.
• Up to 16 weeks' full pay for maternity, paternity and adoption leave.

• Access to Private medical insurance.
• Virtual GP appointments.
• Discounted gym membership.
• Free flu jab.
• Access to a wealth of support from our wellbeing partners.

• Creating a brighter, more sustainable future underpins all that we do here in Zurich. We were the first insurer to sign the ‘UN Business Ambition for 1.5˚C’ pledge.
• Our charitable arm, Zurich Community Trust, has awarded grants and volunteered time to deserving causes in the UK valued at over £90 million.