Full-Time
AJ Bell
501-1,000 employees
Online investment platform for managing portfolios
No salary listed
Junior, Mid
Manchester, UK
Hybrid working policy
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- Minimum 2-3 years’ experience in a UX role
- Solid prototyping software knowledge (Figma, XD etc)
- Expertise in User-Centred Design
- Understanding of Visual Design Principles
- Accessibility Expertise
- Knowledge of Current UX/UI Trends
- Naturally creative
- Confident communicator
- Strong collaboration skills
- Passionate
- Troubleshooting and problem-solving skills
- Adaptable and keen to learn
- Naturally inquisitive
- Self-motivated and ambitious
- Leading Design Projects: Taking ownership of specific design projects, overseeing the entire process from initial research to final implementation.
- Turning Ideas into Wireframes and Prototypes: Translating concepts into tangible design assets, creating both wireframes and interactive prototypes to visualize and test design solutions.
- Coordinating with Developers: Collaborating closely with development teams to ensure design specifications are understood and implemented accurately, addressing technical constraints as needed.
- Managing Design Iterations: Overseeing the iterative design process, making data-driven decisions and continuously refining designs based on user feedback and testing.
- Contributing to Design Systems: Working within established design systems or contributing to the development and maintenance of new design guidelines and component libraries.
- Liaising with UX Research team and setting up user testing
- Participating in Multi-Disciplinary Teams: Working within diverse teams that may include business analysts, developers, marketers, content strategists, and other specialists, ensuring a unified approach to product development.
- Engaging with Stakeholders
- Be an advocate for UX in the wider business looking for opportunities to showcase UX, via blog posts, chances to talk and proactive workshops that are not on the product roadmap.
- Provide help and assistance to junior members of the team.
- Contribute to the weekly UX critique sessions.
AJ Bell offers an online investment platform that allows customers and financial advisers to manage investment portfolios through various accounts, including SIPPs (Self-Invested Personal Pensions), ISAs (Individual Savings Accounts), and Dealing accounts. The platform provides a wide range of investment options and is designed for low-cost delivery, making it accessible for users. AJ Bell stands out from its competitors by combining extensive online functionality with high-quality customer service, ensuring that users have the support they need to make informed investment decisions. The company's goal is to help individuals effectively manage their investments while maintaining a strong growth trajectory, as evidenced by its large customer base and significant assets under administration.
Company Size
501-1,000
Company Stage
IPO
Headquarters
Salford, United Kingdom
Founded
1995
Simplify's Take
What believers are saying
- Government plans to consolidate small pension pots could streamline AJ Bell's operations.
- Rising demand for gilts boosts AJ Bell's Gilt MPS and online gilt dealing services.
- Digital transformation trends align with AJ Bell's platform and technology enhancements.
What critics are saying
- Potential ISA regulation changes could impact AJ Bell's business model and offerings.
- High withdrawal charges on Lifetime ISAs may deter potential AJ Bell customers.
- State pension scrutiny could lead to policy changes affecting AJ Bell's services.
What makes AJ Bell unique
- AJ Bell's Gilt MPS offers low-cost investment management at 0.10% per annum.
- AJ Bell's platform business achieved record assets under administration in Q1 2025.
- AJ Bell's focus on ISA reform positions it as a leader in retail investing.
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Benefits
Health Insurance
Dental Insurance
Vision Insurance
Life Insurance
Disability Insurance
Health Savings Account/Flexible Spending Account
Unlimited Paid Time Off
Flexible Work Hours
Remote Work Options
Paid Vacation
Paid Sick Leave
Paid Holidays
Sabbatical Leave
Hybrid Work Options
401(k) Retirement Plan
401(k) Company Match
Performance Bonus
Employee Stock Purchase Plan
Relocation Assistance
Parental Leave
Fertility Treatment Support
Childcare Support
Professional Development Budget
Conference Attendance Budget
Wellness Program
Mental Health Support
Gym Membership
Phone/Internet Stipend
Home Office Stipend
Legal Services
Employee Discounts
Company Social Events
Company News
The government confirms plans to consolidate 13 million small pension pots worth £1,000 or less, long-awaited pensions dashboards could still have a huge role to play in helping people get to grips with their retirement savingsRachel Vahey, head of public policy at AJ Bell, comments:“Automatic enrolment is one of the big public policy success stories of our time. But it’s not without its flaws. People start a pension when they join an employer, but when they switch employer they often leave their old pension behind, neglected and unloved. This has created a plethora of small pension pots which are easily forgotten. “Confirmation that government will press ahead with proposals to automatically combine the very smallest lost workplace pension pots worth £1,000 or less will help to address the issue. Although there is much more still to be done. “At the centre of these proposals is the ability to automatically consolidate individuals’ pensions without them having to give permission
Emma Reynolds, Economic Secretary to the Treasury, reaffirmed that wholesale ISA reform is on the cards ahead of the Autumn Budget while giving evidence on the future of the Lifetime ISA to the Treasury CommitteeAJ Bell director of public policy, Tom Selby, comments:“If there was any doubt that Labour remains committed to implementing substantive ISA reform, those doubts can surely now be cast aside. Economic Secretary to the Treasury, Emma Reynolds, today reaffirmed the government’s intention to consider all options when it comes to reforming the ISA landscape, including revamping the Lifetime ISA. “But she refused to be drawn into committing to timescales, only saying there was one fiscal event scheduled for this year, the Autumn Budget, and that changes could be introduced next tax year. She was also keen not to give anything away on detail, such as whether government was considering a lower Cash ISA subscription level or a UK investing mandate, instead saying she didn’t want to add to speculation about what government might or might not do. “It is clear Reynolds wants to shift money out of cash savings and into equity investing, citing AJ Bell research that someone putting away about £1,000 in an average-performing Cash ISA every April over the last 25 years would have built up £34,000, around £49,000 less than someone who had saved in a Stocks and Shares ISA and invested in an average IA Global Sector fund over the same period. “It was disappointing that although promising to keep all options open, lowering the punitive 25% early withdrawal charge on Lifetime ISAs seems low on her priority list. Charges should reclaim any government bonus, but taking away an additional 6.25% of the individual’s own investment is harsh, especially as people don’t plan these withdrawals, but end up doing so because life doesn’t always go according to the script. “Reynolds may have kept us guessing on the detail of the reforms under consideration and the timing of any announcement, but this was as clear a sign as any that ISA reform is coming. The odds on a new ISA regime being introduced from April 2026 certainly shortened today.” AJ Bell’s blueprint for ISA reform: better help for investors, simplification and a genuine incentive to invest in the UK
AJ Bell released a trading update for Q1 of 2025 today.
Research from HMRC published today reveals withdrawals from Lifetime ISAs, other than to buy a first home, were mostly due to unexpected financial changes or lack of awareness of the withdrawal charge, Rachel Vahey has commented below. Rachel Vahey, head of public policy at AJ Bell, comments:“Lifetime ISAs can be seen as a mini success story. Overall, government research published today shows those who have taken out and paid into a Lifetime ISA felt it had positively impacted their saving behaviour and that the government bonus had incentivised them to save for their future.“But that doesn’t mean the product is without its flaws. For those whose strategies unfold according to plan, Lifetime ISAs made it easier and quicker for them to turn their dreams of buying a house into reality. But others, who had to make withdrawals from their Lifetime ISA because of unforeseen changes to their circumstances, felt they had lost out because of the high withdrawal charge. “Generally, people don’t plan to make ‘unauthorised’ withdrawals, but they end up doing so because life doesn’t always go according to the script
AJ Bell Investcentre is today pleased to announce the launch of a new ‘Gilt MPS’ range that will carry a very low investment management charge of just 0.10% per annum amid rising adviser demand for a low-cost, accessible solution to recommend gilts to clients.The AJ Bell Gilt MPS range is designed for advisers and their clients who are looking to invest in a tax efficient MPS and will be available across three different maturity preferences, allowing advisers to choose an investment time horizon and gilt maturity dates that suit their clients’ needs.Advised clients can also invest in the Gilt MPS range with as little as £10,000, meaning more clients across a broad spectrum of wealth profiles can benefit from the opportunities currently offered by gilts.This comes following the launch of AJ Bell Investcentre’s online gilt dealing service in February 2024, as part of wider efforts to make it simpler and easier for advisers to recommend gilts to clients. The online gilt service saw the number of gilt purchases increase five-fold in 2024, highlighting the surge in demand among advisers and their clients. Ryan Hughes, AJ Bell Investments managing director, says:“UK gilts have become highly tax efficient investments in recent times, particularly for higher and additional rate taxpayers given any gains made on gilts are exempt from capital gains tax. With some gilts trading below ‘par’ (£100) and offering a low coupon, it means that a good proportion of the return, if held to maturity, comes from capital gains rather than from income. As a result, when the yields on offer are held up next to the interest rates available on deposit, gilts compare very favourably when focused on the short-dated part of the market.“Our discussions with advisers found that many were unable to buy gilts directly for their clients and asked if we could build a solution that solved this problem. We are therefore delighted to launch the Gilt MPS which brings a ‘ladder’ approach, providing advisers with a range of maturity options wrapped in an MPS structure