513 Digital Channels jobs in the United Kingdom

**Do you want your voice heard and your actions to count?**











Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the worldu2019s leading financial groups. Across the globe, weu2019re 120,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.











With a vision to be the worldu2019s most trusted financial group, itu2019s part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career.











Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.











**OVERVIEW OF THE DEPARTMENT/SECTION**





MUFG has a developing and thriving Transaction Banking business, headquartered in Tokyo, and spanning all continents. Transaction Banking Office for EMEA (incorporating Europe, Middle East and Africa) forms





part of MUFGu2019s Global Transaction Banking Division.











Our key responsibilities are to drive regional business and support global and regional customers with Transaction Banking solutions in Cash and Liquidity Management, Trade and Working Capital, Foreign Exchange through a comprehensive suite of proprietary and 3rd party digital channels. We support our local and international cash management services for our Corporate, FI and NBFI client base.











Transaction Banking EMEA, consists of Trade, Working Capital, Cash and Liquidity Management solutions for our chosen client base and comprises of product, sales, implementation, client services and business planning and risk functions.











**MAIN PURPOSE OF THE ROLE**





The role requires a motivated associate (minimum of 3-5 years experience), which encompasses learning and growing in accountability for E2E Product Life Cycle management, product P&L management, risk, compliance and conduct management of digital channels for Transaction banking (proprietary e-banking; host to host and Swift), from a proprietary and 3rd party platform provider. **This role may suit a motivated candidate who in the past may have had experience in technical integration solutions team, has always acted as a client-facing channel, client-side ERP / TMS integration solution specialist in pre-scoping, RFP and post mandate advisory function.**











This role supports a VP in the ownership of the end to end life cycle management of the core solutions for UK, Europe & MENA of:











**Proprietary E-banking:** the MUFG proprietary global electronic banking platform, and itu2019s applications for accounts visibility, payment initiation, authorisation and execution (GCMS+); Cash flow forecasting (CFF), Comsuite FX (Spot FX (single, bulk settlement and FX Netting application); all industry reporting on the channel.











**Proprietary Host to Host:** MUFG host to host solution, GPH represents a direct integration between MUFG and our clients ERP, TMS or other financial application; applicable industry reporting standard on the channel











**SWIFT direct connectivity** in fin/fileact across Swift direct & Alliance / Lite models; score contracting, in addition to client solutioning.











**Industry 3rd party platforms for cash management and trade finance:** . MUFG also interacts with our clients through 3rd party platforms for cash management, trade finance (Bolero, Komgo, GTC, Mitigram) and Markets (deposits, FX, repo, incl Kyriba, 360T, FXall, Refinitiv); Salesforce











**Compliance** with all industry-required reporting for e.g. camt, cybersecurity standards; operational resilience and available contingencies and ensuring together with TB product, that Channel COTs are updated and interoperable with MUFG approved currency COTs.











**Some working fluency across 3rd party specialist ERP/ TMS applications used by core corporate clients** include SAP / S4Hana; Bellin / TIS / Oracle / Kyriba / Salesforce is expected through experience in integration; continuous improvement in new integration points & partners, configuration into cloud-based models; micro-services strategies.











**Industry and regulation expertise:** The role requires a strong working knowledge of regulatory and industry change, from a perspective of how channels, client/ bank integration, testing & client usage of data, actionable insights and risk are changing;











Good working knowledge of industry change around migration of ISO20022; PSDII, open banking integration solutions; real time financial crime solutions, API developments in private/public collaboration.











**Strong technical and commercial product management skills:** the ideal candidate will have experience in using data to form, drive & prove business steering for execution, working collaboratively with front office, operations and technology to drive client & MUFG direction, continuous improvement, feedback loops for development, ensuring scalability, automation and profitability improvements for the TB EMEA solution set.











A thorough understanding of global channels in the host to host and direct Swift enablement are critical, gained through personal ownership of the product through recent changes such as migration of clients on/ between channels and onto recent industry solutions such as SEPA migration, instant payments, Request to Pay etc.











The successful candidate should be competent in business case development, mobilising new product development, proposition and requirements generation, and management of product development with technology & operations partners through to successful delivery (in region & HO).





The ability to influence stakeholders to gain commitment to new product developments, investment build outs and client commercialisation plans, and to subsequently gain approvals for launch is critical.











In this role, you will also support the delivery of communicate the client / industry / competitive and regulatory landscape to the Global TB teams, Sales, Implementation and Service teams for information, action and continuous improvement.











You should have a proactive communication and interpersonal skills to work across the MUFG network and client base, and be a resilient problem solver who knows how to manage challenges to timely and effective resolution, escalating and solutioning where required.

















**KEY RESPONSIBILITIES**











**Learn and support** Product ownership & business steering of proprietary and 3rd party digital channels comprising of




**Proprietary e-banking roadmap:** Comsuite overall platform, containing GCMS+ for accounts and payments visibility, authorisation & execution; Comsuite FX (FX Netting, Spot FX trading in single & bulk); Cash Flow Forecasting & Trade Manager




**Host to Host:** MUFG proprietary GPH solution;
**Swift:** Direct integration: fin/fileact in Direct & Alliance / Lite models; score contract negotiations.
**3rd party platforms** used in bidding, pricing and transaction distribution / execution for TB solutions in cash management, Trade Finance and Markets, namely Mitigram, GTC, Bolero etc.
**Compliance with industry-required reporting** for e.g. camt, cybersecurity standards; operational resilience and available, that Channel COTs are updated and interoperable with MUFG approved currency COTs.











**Demonstrate understanding of the role and support elements of active product life cycle management** through delivery of monthly MIS (front to back alignment from Sales to GOP); annual 3LOD assessments of products, demonstrating that these are Fit for Purpose, fit for Growth and Fit for Sale as per TB Product Programmes, country addenda; Risk, Conduct frameworks etc.











Support Product income & cost budget, pricing governance ownership of the above products.




Own the TB EMEA Channel Fees, Commission from a TB EMEA booked basis.
Ownership, maintain and review of product pricing and adherence to the regional deal review and pricing policy for TB EMEA.











Support Product Development/Product Change




Execute regional deployment of global cash product developments / functionalities with global/ local change of TBD / Systems IT team. Ensure timely deliveries on agreed strategy.
Annual review of client-facing product documentation, country addendum, Master T&Cs to ensure its reflective of current & future market conditions.




Develop new products / features as demanded by clients/the market including creation of product policy, product processes, liaison with front, middle and back office stakeholders, before completing NPA governance
Adding functionality to access markets, connect to global markets and 3rd party platforms as approved through the Product Approval Governance.











Support E2E Product Process Accountability




Creation & maintenance of full end to end process maps for every product in the appropriate product operating manual.
Continuous Improvement: Periodic (1 years) review of every end to end process with all teams who touch the process, and project management of any suggested improvements.
Work with Operations to improve overall service standards and to ensure that quality of service to customers remains superior to competition; drive for QoQ improvement in core agreed KPIs.











Learn and understand Regulatory & Business Risk / O e2e product risk (oversee regulatory, conduct and operational risks as they relate to Product)




Management of risks and issues as they are identified by product, country stakeholders e.g. system/process failure; regulatory change. Manage the TB business impact assessment for channels as a result of industry change) inputs to the Regulatory Programmeu2019s Change agenda such as ISO20022, PSD2, SEPA 2023 rulebook changes, MUFG API Change programme to ensure timely compliance
Understand PRA, FCA, Bafin regulatory requirements in relation to channels and ensure ongoing compliance with them, instigating mitigating actions and product changes and programmes as required
Ensure timely escalation and contribution of risks identified into the TB RAF, and documentation through Open Pages. Demonstrate a personal commitment to speak up / listen up culture for TB by encouraging and debate SIIs through the TB RAF fora
Conduct- Display exemplary conduct and live by the Groupu2019s Values and Code of Conduct. Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across MUFG. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, Group Conduct & culture guidelines.











Support the Named Product Owner for region




Own and evidence end to end ownership with the creation and maintenance of the product availability grid & operational scalability overlay; product catalogue and pricing policy.
Be point of contact for queries and challenges from EMEA and Global stakeholders as regards each product.
Join and contribute to regional and globally led projects/programmes designed to improve the product / profitability / scalability.
Log key improvement suggestions as they arise, evaluate, prioritise, and deliver agreed improvements.











Product Proposition (Pricing, External Marketing, Internal Awareness)




Own, maintain and review pricing tariff annually to ensure aligned with market and client expectations.
Capture competitor intelligence and regulatory information and use it to develop or reinforce our competitive edge, and react to new trends and technology to link those with current offering and impact to clients.
Solutioning & support on key RFPs and deals for strategic clients and those high-potential names for increasing the TB EMEA wallet penetration.
Oversee/produce/maintain a suite of internal and external marketing material; sales tools for Sales Teams/Coverage.
Regular webinars and training with Sales, Coverage and Markets to further strengthen connectivity product knowledge.











Product Policy Development/ Maintenance




Produce and maintain a policy document (product guide) for each product or 'product group'.
Set adequate product policies to ensure the smooth running of the product.











Production of Regional Product reporting (Statistics & Management Information)




Produce and maintain (or oversee maintenance of) regular product reporting e.g. volumes, values, revenues, profitability, STP and key stats per product for business steering and for senior mgmt, Head Office and general business use.











External Outlook




Via external network/industry events maintain a good working knowledge of the latest client and Transaction Banking trends for products, channels and transaction management and competitor environment.











**WORK EXPERIENCE**




A minimum of 3-5 years at Associate level experience in a GTB product management role, having had





> either direct accountability in regional Product Management team accountable for **host 2 host channels & swift platforms in particular;**





**> track record as technical integration / implementation specialist between bank and MNCs, integrating e-banking, host2host and swift from a channels, file formats perspective**










Track record of individual product management for a direct host to host channel & Swift inclusive of supporting technical & functional business requirement documentation, target infrastructure & operating model definition; client mobilisation & scaling up from volumes, value











**SKILLS AND EXPERIENCE**











Functional / Technical Competencies:




Strong, technical understanding of European Payments industry (low value, high value, instant payments; interoperability with TFX; industry transformation for ISO standards and reporting changes for MUFG.
Familiarity with / working fluency across 3rd party specialist ERP/ TMS applications used by MNCs including SAP / S4Hana; Bellin / TIS etc is expected through experience in integration; continuous improvement in new integration points & partners
Good knowledge of end to end Client Implementation especially integration & testing and how to influence client and MUFGs behavior / infrastructure for increased STP, automation and self-service.
Interest in current trends and industry developments with regards to digitisation, automation and standardisation of TB solutions, processes and work flow engineering techniques.











**PERSONAL REQUIREMENTS**




Excellent interpersonal & communication skills (written and spoken)
Results driven, with a strong sense of accountability
A proactive, motivated approach.
The ability to manage large workloads and tight deadlines; ability to prioritise work accordingly
Strong decision-making skills, the ability to demonstrate sound judgement
A structured and logical approach to work with strong problem-solving skills
A creative and innovative approach to work
Excellent attention to detail and accuracy
A calm approach, with the ability to perform well in a pressurised environment
Strong numerical skills, fluency in collating, interpreting and communicating financial, volumetric, margin data for action across diverse teams
Excellent Microsoft Office, Access database skills





























We are open to considering flexible working requests in line with organisational requirements.











MUFG is committed to embracing diversity and building an inclusive culture where all employees are valued, respected and their opinions count. We support the principles of equality, diversity and inclusion in recruitment and employment, and oppose all forms of discrimination on the grounds of age, sex, gender, sexual orientation, disability, pregnancy and maternity, race, gender reassignment, religion or belief and marriage or civil partnership.











We make our recruitment decisions in a non-discriminatory manner in accordance with our commitment to identifying the right skills for the right role and our obligations under the law.





At MUFG, our colleagues are our greatest assets. Our Culture Principles provide a roadmap for how each of our colleagues must think and act to become more client-obsessed, inclusive and innovative. They reflect who we are, who we want to be and what we expect from one another. We are excited to see you take the next step in exploring a career with us and encourage you to spend more time reviewing them!











**Our Culture Principles**




Client Centric
People Focused
Listen Up. Speak Up.
Innovate & Simplify
Own & Execute

**Do you want your voice heard and your actions to count?**











Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the worldu2019s leading financial groups. Across the globe, weu2019re 120,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.











With a vision to be the worldu2019s most trusted financial group, itu2019s part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career.











Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.











**OVERVIEW OF THE DEPARTMENT/SECTION**





MUFG has a developing and thriving Transaction Banking business, headquartered in Tokyo, and spanning all continents. Transaction Banking Office for EMEA (incorporating Europe, Middle East and Africa) forms





part of MUFGu2019s Global Transaction Banking Division.











Our key responsibilities are to drive regional business and support global and regional customers with Transaction Banking solutions in Cash and Liquidity Management, Trade and Working Capital, Foreign Exchange through a comprehensive suite of proprietary and 3rd party digital channels. We support our local and international cash management services for our Corporate, FI and NBFI client base.











Transaction Banking EMEA, consists of Trade, Working Capital, Cash and Liquidity Management solutions for our chosen client base and comprises of product, sales, implementation, client services and business planning and risk functions.











**MAIN PURPOSE OF THE ROLE**





The role requires a motivated associate (minimum of 3-5 years experience), which encompasses learning and growing in accountability for E2E Product Life Cycle management, product P&L management, risk, compliance and conduct management of digital channels for Transaction banking (proprietary e-banking; host to host and Swift), from a proprietary and 3rd party platform provider. **This role may suit a motivated candidate who in the past may have had experience in technical integration solutions team, has always acted as a client-facing channel, client-side ERP / TMS integration solution specialist in pre-scoping, RFP and post mandate advisory function.**











This role supports a VP in the ownership of the end to end life cycle management of the core solutions for UK, Europe & MENA of:











**Proprietary E-banking:** the MUFG proprietary global electronic banking platform, and itu2019s applications for accounts visibility, payment initiation, authorisation and execution (GCMS+); Cash flow forecasting (CFF), Comsuite FX (Spot FX (single, bulk settlement and FX Netting application); all industry reporting on the channel.











**Proprietary Host to Host:** MUFG host to host solution, GPH represents a direct integration between MUFG and our clients ERP, TMS or other financial application; applicable industry reporting standard on the channel











**SWIFT direct connectivity** in fin/fileact across Swift direct & Alliance / Lite models; score contracting, in addition to client solutioning.











**Industry 3rd party platforms for cash management and trade finance:** . MUFG also interacts with our clients through 3rd party platforms for cash management, trade finance (Bolero, Komgo, GTC, Mitigram) and Markets (deposits, FX, repo, incl Kyriba, 360T, FXall, Refinitiv); Salesforce











**Compliance** with all industry-required reporting for e.g. camt, cybersecurity standards; operational resilience and available contingencies and ensuring together with TB product, that Channel COTs are updated and interoperable with MUFG approved currency COTs.











**Some working fluency across 3rd party specialist ERP/ TMS applications used by core corporate clients** include SAP / S4Hana; Bellin / TIS / Oracle / Kyriba / Salesforce is expected through experience in integration; continuous improvement in new integration points & partners, configuration into cloud-based models; micro-services strategies.











**Industry and regulation expertise:** The role requires a strong working knowledge of regulatory and industry change, from a perspective of how channels, client/ bank integration, testing & client usage of data, actionable insights and risk are changing;











Good working knowledge of industry change around migration of ISO20022; PSDII, open banking integration solutions; real time financial crime solutions, API developments in private/public collaboration.











**Strong technical and commercial product management skills:** the ideal candidate will have experience in using data to form, drive & prove business steering for execution, working collaboratively with front office, operations and technology to drive client & MUFG direction, continuous improvement, feedback loops for development, ensuring scalability, automation and profitability improvements for the TB EMEA solution set.











A thorough understanding of global channels in the host to host and direct Swift enablement are critical, gained through personal ownership of the product through recent changes such as migration of clients on/ between channels and onto recent industry solutions such as SEPA migration, instant payments, Request to Pay etc.











The successful candidate should be competent in business case development, mobilising new product development, proposition and requirements generation, and management of product development with technology & operations partners through to successful delivery (in region & HO).





The ability to influence stakeholders to gain commitment to new product developments, investment build outs and client commercialisation plans, and to subsequently gain approvals for launch is critical.











In this role, you will also support the delivery of communicate the client / industry / competitive and regulatory landscape to the Global TB teams, Sales, Implementation and Service teams for information, action and continuous improvement.











You should have a proactive communication and interpersonal skills to work across the MUFG network and client base, and be a resilient problem solver who knows how to manage challenges to timely and effective resolution, escalating and solutioning where required.

















**KEY RESPONSIBILITIES**











**Learn and support** Product ownership & business steering of proprietary and 3rd party digital channels comprising of




**Proprietary e-banking roadmap:** Comsuite overall platform, containing GCMS+ for accounts and payments visibility, authorisation & execution; Comsuite FX (FX Netting, Spot FX trading in single & bulk); Cash Flow Forecasting & Trade Manager




**Host to Host:** MUFG proprietary GPH solution;
**Swift:** Direct integration: fin/fileact in Direct & Alliance / Lite models; score contract negotiations.
**3rd party platforms** used in bidding, pricing and transaction distribution / execution for TB solutions in cash management, Trade Finance and Markets, namely Mitigram, GTC, Bolero etc.
**Compliance with industry-required reporting** for e.g. camt, cybersecurity standards; operational resilience and available, that Channel COTs are updated and interoperable with MUFG approved currency COTs.











**Demonstrate understanding of the role and support elements of active product life cycle management** through delivery of monthly MIS (front to back alignment from Sales to GOP); annual 3LOD assessments of products, demonstrating that these are Fit for Purpose, fit for Growth and Fit for Sale as per TB Product Programmes, country addenda; Risk, Conduct frameworks etc.











Support Product income & cost budget, pricing governance ownership of the above products.




Own the TB EMEA Channel Fees, Commission from a TB EMEA booked basis.
Ownership, maintain and review of product pricing and adherence to the regional deal review and pricing policy for TB EMEA.











Support Product Development/Product Change




Execute regional deployment of global cash product developments / functionalities with global/ local change of TBD / Systems IT team. Ensure timely deliveries on agreed strategy.
Annual review of client-facing product documentation, country addendum, Master T&Cs to ensure its reflective of current & future market conditions.




Develop new products / features as demanded by clients/the market including creation of product policy, product processes, liaison with front, middle and back office stakeholders, before completing NPA governance
Adding functionality to access markets, connect to global markets and 3rd party platforms as approved through the Product Approval Governance.











Support E2E Product Process Accountability




Creation & maintenance of full end to end process maps for every product in the appropriate product operating manual.
Continuous Improvement: Periodic (1 years) review of every end to end process with all teams who touch the process, and project management of any suggested improvements.
Work with Operations to improve overall service standards and to ensure that quality of service to customers remains superior to competition; drive for QoQ improvement in core agreed KPIs.











Learn and understand Regulatory & Business Risk / O e2e product risk (oversee regulatory, conduct and operational risks as they relate to Product)




Management of risks and issues as they are identified by product, country stakeholders e.g. system/process failure; regulatory change. Manage the TB business impact assessment for channels as a result of industry change) inputs to the Regulatory Programmeu2019s Change agenda such as ISO20022, PSD2, SEPA 2023 rulebook changes, MUFG API Change programme to ensure timely compliance
Understand PRA, FCA, Bafin regulatory requirements in relation to channels and ensure ongoing compliance with them, instigating mitigating actions and product changes and programmes as required
Ensure timely escalation and contribution of risks identified into the TB RAF, and documentation through Open Pages. Demonstrate a personal commitment to speak up / listen up culture for TB by encouraging and debate SIIs through the TB RAF fora
Conduct- Display exemplary conduct and live by the Groupu2019s Values and Code of Conduct. Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across MUFG. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, Group Conduct & culture guidelines.











Support the Named Product Owner for region




Own and evidence end to end ownership with the creation and maintenance of the product availability grid & operational scalability overlay; product catalogue and pricing policy.
Be point of contact for queries and challenges from EMEA and Global stakeholders as regards each product.
Join and contribute to regional and globally led projects/programmes designed to improve the product / profitability / scalability.
Log key improvement suggestions as they arise, evaluate, prioritise, and deliver agreed improvements.











Product Proposition (Pricing, External Marketing, Internal Awareness)




Own, maintain and review pricing tariff annually to ensure aligned with market and client expectations.
Capture competitor intelligence and regulatory information and use it to develop or reinforce our competitive edge, and react to new trends and technology to link those with current offering and impact to clients.
Solutioning & support on key RFPs and deals for strategic clients and those high-potential names for increasing the TB EMEA wallet penetration.
Oversee/produce/maintain a suite of internal and external marketing material; sales tools for Sales Teams/Coverage.
Regular webinars and training with Sales, Coverage and Markets to further strengthen connectivity product knowledge.











Product Policy Development/ Maintenance




Produce and maintain a policy document (product guide) for each product or 'product group'.
Set adequate product policies to ensure the smooth running of the product.











Production of Regional Product reporting (Statistics & Management Information)




Produce and maintain (or oversee maintenance of) regular product reporting e.g. volumes, values, revenues, profitability, STP and key stats per product for business steering and for senior mgmt, Head Office and general business use.











External Outlook




Via external network/industry events maintain a good working knowledge of the latest client and Transaction Banking trends for products, channels and transaction management and competitor environment.











**WORK EXPERIENCE**




A minimum of 3-5 years at Associate level experience in a GTB product management role, having had





> either direct accountability in regional Product Management team accountable for **host 2 host channels & swift platforms in particular;**





**> track record as technical integration / implementation specialist between bank and MNCs, integrating e-banking, host2host and swift from a channels, file formats perspective**










Track record of individual product management for a direct host to host channel & Swift inclusive of supporting technical & functional business requirement documentation, target infrastructure & operating model definition; client mobilisation & scaling up from volumes, value











**SKILLS AND EXPERIENCE**











Functional / Technical Competencies:




Strong, technical understanding of European Payments industry (low value, high value, instant payments; interoperability with TFX; industry transformation for ISO standards and reporting changes for MUFG.
Familiarity with / working fluency across 3rd party specialist ERP/ TMS applications used by MNCs including SAP / S4Hana; Bellin / TIS etc is expected through experience in integration; continuous improvement in new integration points & partners
Good knowledge of end to end Client Implementation especially integration & testing and how to influence client and MUFGs behavior / infrastructure for increased STP, automation and self-service.
Interest in current trends and industry developments with regards to digitisation, automation and standardisation of TB solutions, processes and work flow engineering techniques.











**PERSONAL REQUIREMENTS**




Excellent interpersonal & communication skills (written and spoken)
Results driven, with a strong sense of accountability
A proactive, motivated approach.
The ability to manage large workloads and tight deadlines; ability to prioritise work accordingly
Strong decision-making skills, the ability to demonstrate sound judgement
A structured and logical approach to work with strong problem-solving skills
A creative and innovative approach to work
Excellent attention to detail and accuracy
A calm approach, with the ability to perform well in a pressurised environment
Strong numerical skills, fluency in collating, interpreting and communicating financial, volumetric, margin data for action across diverse teams
Excellent Microsoft Office, Access database skills





























We are open to considering flexible working requests in line with organisational requirements.











MUFG is committed to embracing diversity and building an inclusive culture where all employees are valued, respected and their opinions count. We support the principles of equality, diversity and inclusion in recruitment and employment, and oppose all forms of discrimination on the grounds of age, sex, gender, sexual orientation, disability, pregnancy and maternity, race, gender reassignment, religion or belief and marriage or civil partnership.











We make our recruitment decisions in a non-discriminatory manner in accordance with our commitment to identifying the right skills for the right role and our obligations under the law.





At MUFG, our colleagues are our greatest assets. Our Culture Principles provide a roadmap for how each of our colleagues must think and act to become more client-obsessed, inclusive and innovative. They reflect who we are, who we want to be and what we expect from one another. We are excited to see you take the next step in exploring a career with us and encourage you to spend more time reviewing them!











**Our Culture Principles**




Client Centric
People Focused
Listen Up. Speak Up.
Innovate & Simplify
Own & Execute

**Do you want your voice heard and your actions to count?**
Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world's leading financial groups. Across the globe, we're 120,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.
With a vision to be the world's most trusted financial group, it's part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career.
Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.
**OVERVIEW OF THE DEPARTMENT/SECTION**
MUFG has a developing and thriving Transaction Banking business, headquartered in Tokyo, and spanning all continents. Transaction Banking Office for EMEA (incorporating Europe, Middle East and Africa) forms
part of MUFG's Global Transaction Banking Division.
Our key responsibilities are to drive regional business and support global and regional customers with Transaction Banking solutions in Cash and Liquidity Management, Trade and Working Capital, Foreign Exchange through a comprehensive suite of proprietary and 3rd party digital channels. We support our local and international cash management services for our Corporate, FI and NBFI client base.
Transaction Banking EMEA, consists of Trade, Working Capital, Cash and Liquidity Management solutions for our chosen client base and comprises of product, sales, implementation, client services and business planning and risk functions.
**MAIN PURPOSE OF THE ROLE**
The role requires a motivated associate (minimum of 3-5 years experience), which encompasses learning and growing in accountability for E2E Product Life Cycle management, product P&L management, risk, compliance and conduct management of digital channels for Transaction banking (proprietary e-banking; host to host and Swift), from a proprietary and 3rd party platform provider. **This role may suit a motivated candidate who in the past may have had experience in technical integration solutions team, has always acted as a client-facing channel, client-side ERP / TMS integration solution specialist in pre-scoping, RFP and post mandate advisory function.**
This role supports a VP in the ownership of the end to end life cycle management of the core solutions for UK, Europe & MENA of:
**Proprietary E-banking:** the MUFG proprietary global electronic banking platform, and it's applications for accounts visibility, payment initiation, authorisation and execution (GCMS+); Cash flow forecasting (CFF), Comsuite FX (Spot FX (single, bulk settlement and FX Netting application); all industry reporting on the channel.
**Proprietary Host to Host:** MUFG host to host solution, GPH represents a direct integration between MUFG and our clients ERP, TMS or other financial application; applicable industry reporting standard on the channel
**SWIFT direct connectivity** in fin/fileact across Swift direct & Alliance / Lite models; score contracting, in addition to client solutioning.
**Industry 3rd party platforms for cash management and trade finance:** . MUFG also interacts with our clients through 3rd party platforms for cash management, trade finance (Bolero, Komgo, GTC, Mitigram) and Markets (deposits, FX, repo, incl Kyriba, 360T, FXall, Refinitiv); Salesforce
**Compliance** with all industry-required reporting for e.g. camt, cybersecurity standards; operational resilience and available contingencies and ensuring together with TB product, that Channel COTs are updated and interoperable with MUFG approved currency COTs.
**Some working fluency across 3rd party specialist ERP/ TMS applications used by core corporate clients** include SAP / S4Hana; Bellin / TIS / Oracle / Kyriba / Salesforce is expected through experience in integration; continuous improvement in new integration points & partners, configuration into cloud-based models; micro-services strategies.
**Industry and regulation expertise:** The role requires a strong working knowledge of regulatory and industry change, from a perspective of how channels, client/ bank integration, testing & client usage of data, actionable insights and risk are changing;
Good working knowledge of industry change around migration of ISO20022; PSDII, open banking integration solutions; real time financial crime solutions, API developments in private/public collaboration.
**Strong technical and commercial product management skills:** the ideal candidate will have experience in using data to form, drive & prove business steering for execution, working collaboratively with front office, operations and technology to drive client & MUFG direction, continuous improvement, feedback loops for development, ensuring scalability, automation and profitability improvements for the TB EMEA solution set.
A thorough understanding of global channels in the host to host and direct Swift enablement are critical, gained through personal ownership of the product through recent changes such as migration of clients on/ between channels and onto recent industry solutions such as SEPA migration, instant payments, Request to Pay etc.
The successful candidate should be competent in business case development, mobilising new product development, proposition and requirements generation, and management of product development with technology & operations partners through to successful delivery (in region & HO).
The ability to influence stakeholders to gain commitment to new product developments, investment build outs and client commercialisation plans, and to subsequently gain approvals for launch is critical.
In this role, you will also support the delivery of communicate the client / industry / competitive and regulatory landscape to the Global TB teams, Sales, Implementation and Service teams for information, action and continuous improvement.
You should have a proactive communication and interpersonal skills to work across the MUFG network and client base, and be a resilient problem solver who knows how to manage challenges to timely and effective resolution, escalating and solutioning where required.
**KEY RESPONSIBILITIES**
**Learn and support** Product ownership & business steering of proprietary and 3rd party digital channels comprising of
+ **Proprietary e-banking roadmap:** Comsuite overall platform, containing GCMS+ for accounts and payments visibility, authorisation & execution; Comsuite FX (FX Netting, Spot FX trading in single & bulk); Cash Flow Forecasting & Trade Manager
+ **Host to Host:** MUFG proprietary GPH solution;
+ **Swift:** Direct integration: fin/fileact in Direct & Alliance / Lite models; score contract negotiations.
+ **3rd party platforms** used in bidding, pricing and transaction distribution / execution for TB solutions in cash management, Trade Finance and Markets, namely Mitigram, GTC, Bolero etc.
+ **Compliance with industry-required reporting** for e.g. camt, cybersecurity standards; operational resilience and available, that Channel COTs are updated and interoperable with MUFG approved currency COTs.
**Demonstrate understanding of the role and support elements of active product life cycle management** through delivery of monthly MIS (front to back alignment from Sales to GOP); annual 3LOD assessments of products, demonstrating that these are Fit for Purpose, fit for Growth and Fit for Sale as per TB Product Programmes, country addenda; Risk, Conduct frameworks etc.
Support Product income & cost budget, pricing governance ownership of the above products.
+ Own the TB EMEA Channel Fees, Commission from a TB EMEA booked basis.
+ Ownership, maintain and review of product pricing and adherence to the regional deal review and pricing policy for TB EMEA.
Support Product Development/Product Change
+ Execute regional deployment of global cash product developments / functionalities with global/ local change of TBD / Systems IT team. Ensure timely deliveries on agreed strategy.
+ Annual review of client-facing product documentation, country addendum, Master T&Cs to ensure its reflective of current & future market conditions.
+ Develop new products / features as demanded by clients/the market including creation of product policy, product processes, liaison with front, middle and back office stakeholders, before completing NPA governance
+ Adding functionality to access markets, connect to global markets and 3rd party platforms as approved through the Product Approval Governance.
Support E2E Product Process Accountability
+ Creation & maintenance of full end to end process maps for every product in the appropriate product operating manual.
+ Continuous Improvement: Periodic (1 years) review of every end to end process with all teams who touch the process, and project management of any suggested improvements.
+ Work with Operations to improve overall service standards and to ensure that quality of service to customers remains superior to competition; drive for QoQ improvement in core agreed KPIs.
Learn and understand Regulatory & Business Risk / O e2e product risk (oversee regulatory, conduct and operational risks as they relate to Product)
+ Management of risks and issues as they are identified by product, country stakeholders e.g. system/process failure; regulatory change. Manage the TB business impact assessment for channels as a result of industry change) inputs to the Regulatory Programme's Change agenda such as ISO20022, PSD2, SEPA 2023 rulebook changes, MUFG API Change programme to ensure timely compliance
+ Understand PRA, FCA, Bafin regulatory requirements in relation to channels and ensure ongoing compliance with them, instigating mitigating actions and product changes and programmes as required
+ Ensure timely escalation and contribution of risks identified into the TB RAF, and documentation through Open Pages. Demonstrate a personal commitment to speak up / listen up culture for TB by encouraging and debate SIIs through the TB RAF fora
+ Conduct- Display exemplary conduct and live by the Group's Values and Code of Conduct. Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across MUFG. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, Group Conduct & culture guidelines.
Support the Named Product Owner for region
+ Own and evidence end to end ownership with the creation and maintenance of the product availability grid & operational scalability overlay; product catalogue and pricing policy.
+ Be point of contact for queries and challenges from EMEA and Global stakeholders as regards each product.
+ Join and contribute to regional and globally led projects/programmes designed to improve the product / profitability / scalability.
+ Log key improvement suggestions as they arise, evaluate, prioritise, and deliver agreed improvements.
Product Proposition (Pricing, External Marketing, Internal Awareness)
+ Own, maintain and review pricing tariff annually to ensure aligned with market and client expectations.
+ Capture competitor intelligence and regulatory information and use it to develop or reinforce our competitive edge, and react to new trends and technology to link those with current offering and impact to clients.
+ Solutioning & support on key RFPs and deals for strategic clients and those high-potential names for increasing the TB EMEA wallet penetration.
+ Oversee/produce/maintain a suite of internal and external marketing material; sales tools for Sales Teams/Coverage.
+ Regular webinars and training with Sales, Coverage and Markets to further strengthen connectivity product knowledge.
Product Policy Development/ Maintenance
+ Produce and maintain a policy document (product guide) for each product or 'product group'.
+ Set adequate product policies to ensure the smooth running of the product.
Production of Regional Product reporting (Statistics & Management Information)
+ Produce and maintain (or oversee maintenance of) regular product reporting e.g. volumes, values, revenues, profitability, STP and key stats per product for business steering and for senior mgmt, Head Office and general business use.
External Outlook
+ Via external network/industry events maintain a good working knowledge of the latest client and Transaction Banking trends for products, channels and transaction management and competitor environment.
**WORK EXPERIENCE**
+ A minimum of 3-5 years at Associate level experience in a GTB product management role, having had
> either direct accountability in regional Product Management team accountable for **host 2 host channels & swift platforms in particular;**
**> track record as technical integration / implementation specialist between bank and MNCs, integrating e-banking, host2host and swift from a channels, file formats perspective**
+ Track record of individual product management for a direct host to host channel & Swift inclusive of supporting technical & functional business requirement documentation, target infrastructure & operating model definition; client mobilisation & scaling up from volumes, value
**SKILLS AND EXPERIENCE**
Functional / Technical Competencies:
+ Strong, technical understanding of European Payments industry (low value, high value, instant payments; interoperability with TFX; industry transformation for ISO standards and reporting changes for MUFG.
+ Familiarity with / working fluency across 3rd party specialist ERP/ TMS applications used by MNCs including SAP / S4Hana; Bellin / TIS etc is expected through experience in integration; continuous improvement in new integration points & partners
+ Good knowledge of end to end Client Implementation especially integration & testing and how to influence client and MUFGs behavior / infrastructure for increased STP, automation and self-service.
+ Interest in current trends and industry developments with regards to digitisation, automation and standardisation of TB solutions, processes and work flow engineering techniques.
**PERSONAL REQUIREMENTS**
+ Excellent interpersonal & communication skills (written and spoken)
+ Results driven, with a strong sense of accountability
+ A proactive, motivated approach.
+ The ability to manage large workloads and tight deadlines; ability to prioritise work accordingly
+ Strong decision-making skills, the ability to demonstrate sound judgement
+ A structured and logical approach to work with strong problem-solving skills
+ A creative and innovative approach to work
+ Excellent attention to detail and accuracy
+ A calm approach, with the ability to perform well in a pressurised environment
+ Strong numerical skills, fluency in collating, interpreting and communicating financial, volumetric, margin data for action across diverse teams
+ Excellent Microsoft Office, Access database skills
We are open to considering flexible working requests in line with organisational requirements.
MUFG is committed to embracing diversity and building an inclusive culture where all employees are valued, respected and their opinions count. We support the principles of equality, diversity and inclusion in recruitment and employment, and oppose all forms of discrimination on the grounds of age, sex, gender, sexual orientation, disability, pregnancy and maternity, race, gender reassignment, religion or belief and marriage or civil partnership.
We make our recruitment decisions in a non-discriminatory manner in accordance with our commitment to identifying the right skills for the right role and our obligations under the law.
At MUFG, our colleagues are our greatest assets. Our Culture Principles provide a roadmap for how each of our colleagues must think and act to become more client-obsessed, inclusive and innovative. They reflect who we are, who we want to be and what we expect from one another. We are excited to see you take the next step in exploring a career with us and encourage you to spend more time reviewing them!
**Our Culture Principles**
+ Client Centric
+ People Focused
+ Listen Up. Speak Up.
+ Innovate & Simplify
+ Own & Execute

Businesses need swift access to finance to seize opportunities or address cash flow challenges. Banks still take weeks or months to approve them, if at all. With iwoca, businesses can secure the necessary funding within minutes of signing up, around the clock, every day of the year. This not only positively impacts business owners but also contributes to the well-being of their communities and the broader economy.

At iwoca, our mission is to facilitate the seamless flow of finance, extending its reach to one million small businesses. Since launch in 2012, we’ve developed a cutting-edge technology platform, positioning ourselves as a leading fintech in Europe. Our efforts have been recognized through numerous industry awards, and we’ve successfully made billions in funding available to over 100,000 businesses.

Requirements

We are looking for a commercially-aware, analytical and creative marketer who loves to see the impact their ideas have on the business. Reporting to the Head of Performance Marketing, you’ll be responsible for driving new valuables small business customers to iwoca by growing new acquisition channels, starting with Paid Social channels (Meta specifically).

To get there: 

• You will be responsible for evaluating the potential size of various channels and figure out what a successful test would look like to assess their viability and scalability, and then launch them (starting with Paid Social).
• You will take ownership of our Paid Social activities. Drawing on your hands-on experience at running successful acquisition campaigns on Meta, you will: 
• Build campaigns and make optimisations adjustments to ensure they are meeting performance goals
• Analyse your campaign performance, understand drivers of profitability, identify learnings and optimise your futures campaigns accordingly.
• Create strong creative briefs and work closely with multiple teams, internal and external (design, data analyst, compliance) to deliver top-of-class creatives and messages. You’ll also build landing pages to maximise traffic conversions. 
• Collaborate with our Product Manager to ensure all the technical requirements to run successful campaigns are met and maintained. 
• Own our Paid social Test and Learn roadmap: you’ll maintain a portfolio of promising ideas (from optimisation to creatives), decide their level of priority, and ensure a robust testing framework is applied for each test you run. 

Ideally, you’ll:

• Have 4+ years of experience in Marketing, preferably in running ads on Meta or in a growth type role.
• Have a strong capacity to understand the bigger picture and how your actions can affect the overall commercial success of iwoca
• Have experience at making clear and top of the class creative briefs.
• Have a strong analytical skill set (proficiency with Gsheet essential), demonstrating excellent attention to detail: confident with drawing insights from complex datasets and forming data-driven arguments. 
• Be excited about helping small businesses thrive

Benefits

Our benefits

We put a lot of effort into making iwoca a brilliant place to work:

• Offices in London, Leeds and Frankurt
• Events and clubs, like bingo, comedy nights, yoga classes, football…
• Two company retreats a year, we’ve been to France, Italy, Spain and further afield
• Plenty of drinks and snacks in our offices.

Our benefits package is second-to-none:

• Medical insurance from Vitality, including discounted gym membership
• 25 days’ holiday, an extra day off for your birthday and the option to buy or sell 5 days of leave
• Instant access to emotional and mental health support with our partner, Spill
• Share options
• Generous maternity leave and shared parental leave
• A nursery tax benefit scheme to help you save money
• Paid volunteering time to support your chosen charity
• Extra leave if you want to travel or study
• One-month fully paid sabbatical after 4 years
• Cycle-to-work scheme and electric car scheme

And to make sure we all keep learning, we offer:

• An L&D budget for everyone, including a book budget
• Company-wide talks with internal and external speakers
• Access to learning platforms like Treehouse if you want to learn to code.

Design and oversee all aspects of social media initiatives, including collaborating with graphic designers to create creatives and producing post copies.Post all articles/creatives/videos across all social media handles and YouTube channel.Plan and execute promotional boosts across social media handles.Identify the latest industry trends and help create new IPs.Create SEO and SEM strategies to increase brand engagement and grow the brand's online presence organically and through paid campaigns.Analyze and generate accurate reports on marketing campaign performance in terms of KPIs.Compile weekly and monthly social media analytics reports, including reach, impressions, engagement, and views (for videos).Evaluate important metrics that affect website traffic, service quotas, and target audience.Work with team members to brainstorm new and innovative growth strategies.Oversee and manage all corporate campaigns, such as contests, giveaways, and other digital projects.Take active steps to enhance traction and visibility of all existing social media accounts on Facebook, Instagram, Twitter, YouTube, and LinkedIn, etc.RequirementsTotal work experience of 3+ years as a Social Media Expert, Campaign Manager, or similar roles.Experience working collaboratively with multiple teams and Subject Matter Experts (SMEs).Excellent verbal and written communication skills and good interpersonal skills to build relationships.Experienced in market research, data scraping, and in-depth knowledge of key areas like keyword research, topic research, competitor analysis, and niche research.Adept at extracting and analyzing analytical data.

Additional Requirements:

Hands-on experience with Content Management Systems (e.g., WordPress)Experience in social media copywriting, blog marketing, and SEO best practices.Software Knowledge: WordPress: Elementor, Yoast SEO, etc., Engagement & Analytics: Google Analytics, Google Search Console, Google Ads, etc.

Security Gates R Us is a leading UK provider of driveway gates, security grilles, fencing, and access control systems. We are seeking a growth-driven Social Media Marketer  to drive lead generation through various social media outlets.

Your Mission

• p>Build, manage, and grow our LinkedIn, Instagram and Facebook channels.

• Generate B2B leads from architects, contractors, councils, and developers.

• Drive B2C leads from homeowners seeking premium security gates.

• Create content, run ads, and engage daily to build a strong active brand.

Key Responsibilities

1. Develop and execute a data-backed social media strategy.

2. Build LinkedIn relationships with high-value commercial prospects.

3. Create engaging content: posts, visuals, graphics, reels and case studies.

4. Run and optimise paid ad campaigns for consistent lead generation.

5. Grow followers, impressions, traffic, and conversions weekly.

6. Manage all engagement (comments, DMs, connections). 

7. Work closely with our director to align social strategy with business goals

8. Report on ROI, growth, and lead quality.

Goals & KPIs

• Deliver qualified B2B leads weekly via LinkedIn.

• Achieve ROI targets from Meta Ads (CPL, CTR, ROAS).

• Consistently grow followers, engagement, and website traffic.

• Increase inquiries through content and retargeting.

Who You Are

• Experienced in Facebook, LinkedIn and Instagram lead-gen campaigns.

• Skilled in LinkedIn outreach, automation, and messaging.

• Confident with Meta Ads Manager and pixels with proven ROI results.

• Creative (Canva/Adobe), data-driven, and proactive.

• Reliable, motivated, and hungry for growth. 

What We Offer:

• Competitive pay: £25–£35 per hour  (depending on experience)
• erformance-based bonuses
• Part-time: 16–20 hours per week , with potential to increase to full-time
< i>Opportunity to play a key role in a growing business

Social media executive for a small restaurant group in London. This company has 3 sites and is looking for a passionate candidate who loves social media and digital marketing. This is a part-time role, 27 hours a week at 24k a year. This will be based out of one of the restaurants.

The role
As a digital marketing executive / social media executive, you will manage the social media and digital marketing for this brand. You will develop the marketing strategy for the restaurants, ensure the various tools are used to post on Instagram, linkedin, TikTok, Google, Meta, Snapchat. They are also looking for the use of AI as well. You will help develop the branding and marketing strategy for the brand. This role will include all the standard social media duties you would expect from a digital marketing / social media executive.

Experience
We are looking for a social media executive who is really passionate about online marketing and has a natural flair to being on top of social media and its ever-changing tools and offerings. you will have knowledge of:Insta,LinkedIn,TikTok,Google,Meta,Snapchat and AI tools

• Social media executive
• part time role
• 27hrs
• 24k
• small restaurant group
• London

Social Media Manager 

A fast-growing consumer brand is seeking a creative, strategic Social Media Manager to lead its digital presence and community engagement efforts.
This is a hands-on role for someone who thrives on authentic storytelling, understands the nuances of compliance, and knows how to build meaningful connections—especially through WhatsApp and other direct channels.

What You’ll Be Doing:
•     Social Media Strategy & Execution: Own the brand’s voice across Instagram, Facebook, X, and more; focusing on engagement, education, and community-building 
•     Content Creation: Plan and produce high-quality visuals, short-form videos, and copy that align with brand values and UK advertising regulations
•     WhatsApp Community Management: Grow and nurture private groups, delivering exclusive content and fostering brand advocacy
•     Customer Engagement: Be the first point of contact across social platforms, offering timely, helpful support and sparking positive interactions
•     Analytics & Reporting: Track performance, analyse engagement, and provide actionable insights to improve reach and resonance

What You’ll Bring:
•     Proven experience managing multi-platform social media accounts
•     Strong content planning and creation skills
•     Excellent customer service instincts
•     Familiarity with scheduling tools like Hootsuite or Buffer
•     Bonus: Experience with WhatsApp communities, graphic/video tools (Canva, Adobe), and knowledge of UK CAP Code & ASA guidelines

This role is based in Birmingham with occasional travel and out-of-hours work for events and filming. Salary is upto £35k. 

Role: Social Media Manager

Location:  Milton Keynes (on-site)

Hours:  Mon – Fri 9am – 5pm

Salary: £37,000 - £47,000 depending on experience

My client is not your average consumer brand – they break rules, drop wild products, and build brands that get noticed. Now they’re diving into fragrance — and we need a Social Media Manager to launch it with impact.

You’ll be the digital voice of a brand-new fragrance label , shaping its personality and growing a community from scratch. From Instagram to TikTok to YouTube, you’ll plan and deliver scroll-stopping organic and paid campaigns, jump on trends fast, and use paid social as a real growth engine — not just a boost button.

What’s in it for you?

You’ll help launch a fragrance brand from scratch, shaping its voice and building its following from day one. Join a creative, fast-moving team that thrives on originality and cultural relevance — and build something unforgettable.

What will you be doing in the social media manager role?

• Create and execute bold, multi-channel social strategies
• Grow and engage audiences through standout content and community management
• Run paid social campaigns across Meta, TikTok, YouTube and more
• Optimise targeting, creative testing, and performance for maximum ROI
• Collaborate with creators, designers, and marketers to produce culturally relevant content
• Stay plugged into trends — and act on them before they peak

What we would like from you:

• Proven experience managing organic + paid social for a consumer brand
• Skilled in ad set-up, optimisation, and analytics
• Creative risk-taker with a trend-savvy mindset
• Strong storytelling, copywriting, and content creation skills
• Comfortable in fast-paced, agile environments

If you have the energy and passion we are looking for then apply today!

BEDFORDPERM

By applying to this job advertisement, you confirm you have read and understood our  Data Protection and Privacy statement  and give OA Group authorisation to hold you provided data .

Thank you for your interest in this vacancy, which is being advertised by OA Group, who are acting as an employment agency / business. Your application will be considered in competition with others and we will contact you within 3 working days.