At a Glance
- Tasks: Lead the development and optimisation of innovative lending products in a dynamic environment.
- Company: Join Bayford Hale, a specialist recruitment consultancy in financial services.
- Benefits: Enjoy a hybrid work model, competitive salary, and opportunities for professional growth.
- Other info: Collaborative culture focused on continuous improvement and regulatory excellence.
- Why this job: Make a real impact by shaping lending solutions that enhance client experiences.
- Qualifications: Experience in managing lending products and strong analytical skills required.
The predicted salary is between 70000 - 90000 £ per year.
We are seeking an experienced Senior Product Owner – Lending Products to take strategic ownership of a portfolio of non-regulated lending products, including commercial lending, bespoke lending solutions and associated client journeys. This role is responsible for the development, governance and continuous improvement of lending propositions, ensuring they deliver excellent client outcomes, operate efficiently, manage risk effectively and achieve sustainable commercial performance throughout their lifecycle.
Working within a regulated financial services environment, you will collaborate across the business to translate strategic objectives into clear product roadmaps, operational improvements and scalable lending capabilities.
- Lead the development, enhancement and optimisation of lending products, operational processes and digital capabilities.
- Deliver strategic, regulatory and technology change initiatives through established governance frameworks.
- Oversee product governance, including product approvals, reviews, pricing changes, policy alignment and product lifecycle management.
- Monitor product performance using management information, client feedback, utilisation trends, operational metrics and commercial performance data.
- Partner closely with Credit Risk to ensure alignment between product design, underwriting appetite, portfolio performance and operational delivery.
- Ensure operational processes, controls and systems remain robust, scalable and compliant with regulatory expectations.
- Support digital transformation initiatives through workflow optimisation, automation and data-driven decision making.
- Work closely with Compliance, Risk and Operations to strengthen quality assurance, coaching and continuous improvement initiatives.
- Monitor conduct indicators, complaints, operational risk events and quality assurance findings to identify training opportunities and enhance colleague capability.
- Act as the subject matter expert for lending products across commercial, operational, regulatory and governance disciplines.
You'll bring a strong combination of commercial awareness, product ownership experience and regulatory knowledge within a lending environment.
- Significant experience managing lending products within a regulated financial services environment.
- Strong understanding of commercial and/or bespoke lending products.
- Experience balancing commercial objectives, client outcomes and risk management.
- Experience working with governance, regulatory and risk frameworks.
- Strong analytical and problem-solving skills, with the ability to use data to inform decision making.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Finance Product Owner in Edinburgh
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Bayford Hale. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Senior Finance Product Owner in Edinburgh
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Bayford Hale.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Bayford Hale's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Bayford Hale
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Bayford Hale.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Bayford Hale will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Bayford Hale employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
