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: Collaborate with cross-functional teams and enhance your career in a supportive culture.
- Why this job: Make a real impact on client outcomes while driving business growth in lending.
- Qualifications: Experience in managing lending products and strong stakeholder management skills.
The predicted salary is between 60000 - 75000 £ per year.
Senior Product Owner – Lending Products Edinburgh (Hybrid) About the Role 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.
Key Responsibilities Lead the development, enhancement and optimisation of lending products, operational processes and digital capabilities.
Ensure lending propositions remain commercially competitive, operationally efficient and aligned with client and intermediary needs.
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.
Drive improvements across onboarding, credit assessment, fulfilment, servicing and client management journeys.
Ensure operational processes, controls and systems remain robust, scalable and compliant with regulatory expectations.
Manage relationships with third-party providers, intermediaries, technology partners and other key suppliers supporting lending activities.
Support digital transformation initiatives through workflow optimisation, automation and data-driven decision making.
Maintain and enhance training and competency frameworks, ensuring colleagues involved in lending activities have the knowledge, skills and understanding required to deliver positive client outcomes.
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.
About You You'll bring a strong combination of commercial awareness, product ownership experience and regulatory knowledge within a lending environment.
We're looking for someone who has: 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.
Excellent stakeholder management and influencing skills, with the ability to work across multiple business functions.
A track record of delivering product enhancements, change initiatives and process improvements.
Experience working with governance, regulatory and risk frameworks.
Strong analytical and problem-solving skills, with the ability to use data to inform decision making.
Excellent communication skills and the ability to lead and inspire cross-functional teams.
A passion for delivering outstanding customer outcomes while supporting business growth.
Who We are at Bayford Hale Here at Bayford Hale, we're a specialist recruitment consultancy dedicated to connecting exceptional talent with leading organisations across financial services, technology and professional services.
We pride ourselves on building lasting relationships and delivering a personalised, consultative approach that helps both our clients and candidates succeed.
Senior Product Owner, Lending in Edinburgh employer: Bayford Hale
At Bayford Hale, we are committed to fostering a dynamic and inclusive work culture that empowers our employees to thrive. As a Senior Product Owner in Lending based in Edinburgh, you will benefit from a hybrid working model, competitive remuneration, and opportunities for professional growth within a supportive environment. Our focus on collaboration and continuous improvement ensures that you will play a pivotal role in shaping innovative lending solutions while enjoying the unique advantages of working in a vibrant city known for its rich history and culture.
