Commercial Manager - Youth Financial Services

About the role

Co-op Bank is looking for a Commercial Manager for its Youth Financial Services (YFS) business. The role drives the commercial performance and growth of an assigned youth customer portfolio, turning customer insights into propositions, go-to-market initiatives and measurable results. It covers the full customer journey, from acquisition and activation to engagement, retention and long-term growth.

Key responsibilities

• Own the commercial performance of the youth portfolio, delivering targets for acquisition, activation, product uptake, usage, retention and profitability.
• Turn business priorities and customer insights into commercial plans, campaigns, propositions and market activation initiatives with clear objectives and measurable outcomes.
• Build knowledge of youth needs, behaviours and trends through research, customer engagement, market intelligence and performance analytics.
• Partner with Product Owners and cross-functional teams to develop, test and commercialise products, customer journeys, pricing and offers.
• Develop partnerships with universities, schools, employers, youth organisations, businesses, fintechs and other ecosystem players.
• Work with Brand & Communications and agency partners on campaigns that strengthen the YFS proposition.
• Drive customer acquisition and product adoption with branches, sales teams, relationship managers and digital channels.
• Analyse customer behaviour, campaign effectiveness, portfolio performance and ROI to improve commercial results.
• Ensure effective budget use, value for money and compliance with regulatory, risk, data privacy and customer protection requirements.
• Build relationships internally and externally, develop business cases and presentations, and execute commercial initiatives on time.

Required profile

• Bachelor's degree in Business, Marketing, Commerce, Economics, Finance, Communications or a related discipline.
• At least five years' experience in commercial management, go-to-market strategy, business growth, segment or category management, marketing, partnerships, business development, customer strategy or a related field.
• Demonstrated track record of turning customer insights and business strategy into commercial initiatives with measurable results.
• Proven ability to influence stakeholders, collaborate across functions and manage strategic partnerships.

Required skills

• Strong commercial acumen: managing targets, budgets, customer growth metrics, performance funnels and ROI.
• Strong analytical, communication, presentation, negotiation and relationship management skills.
• Customer-centric, innovative and results-oriented mindset.

To apply, send a cover letter and detailed CV by 5 November 2026, quoting the job reference CM/YFS/2026.