Senior Product Owner: Mortgages & Regulated Lending in Edinburgh

The Senior Product Owner for Mortgages & Regulated Lending is responsible for the strategic ownership, development, governance and continuous improvement of the Bank’s mortgage and regulated lending propositions, including regulated lending products and associate client journeys. The role ensures products and services deliver strong client outcomes, regulatory compliance, operational efficiency and sustainable commercial performance across the full product design lifecycle. Operating within a regulated banking environment, the role ensures adherence to all applicable regulatory obligations, including MCOB, Consumer Duty affordability and vulnerability expectations, training and competence (T&C) requirements, financial crime obligations, complaints handling standards and conduct risk frameworks. Working cross-functionally, the Senior Product Owner translates strategic goals into clear product roadmaps, process enhancements, and scalable lending capabilities aligned to the Bank’s growth objectives.

KEY RESPONSIBILITIES

• Own the strategic roadmap for mortgage and regulated lending products and associated client journeys.
• Lead the design enhancement and optimisation of lending propositions, processes and digital capabilities.
• Ensure products and lending journeys deliver fair value, good client outcomes and appropriate client support throughout the lifecycle.
• Drive delivery of regulatory, operational and strategic change initiatives through agile and governance frameworks.
• Oversee product governance activities including new product approvals, product reviews, pricing changes, policy alignment and product withdrawal considerations.
• Monitor product performance through MI, customer insight, arrears trends, complaints data, conduct indicators, operational metrics, and commercial performance measures.
• Partner with Credit Risk and underwriting to ensure alignment between risk appetite, lending policy, operational execution and customer experience.
• Support optimisation of onboarding, affordability assessment, servicing, retention, and collections processes to improve efficiency and client outcomes.
• Ensure operational processes and supporting systems remain robust, scalable, resilient and compliant with regulatory expectations.
• Manage relationships with third party providers, intermediaries, valuation partners, legal suppliers and technology vendors supporting the lending proposition.
• Support the Bank’s technology and digital agenda through automation, workflow optimisation, and improved client self service capability.
• Maintain oversight of Training and Competence (T&C) arrangements relevant to regulated lending activities, ensuring colleagues operating within mortgage and lending journeys maintain appropriate accreditation and regulatory competence.
• Work in partnership with Compliance, Risk and operational leadership teams to effectively support T&C frameworks, quality assurance activity, coaching outcomes and continuous improvement initiatives.
• Monitor conduct, client outcomes, quality assurance findings, complaints trends and regulatory developments to identify training needs and drive enhancements to colleague capability and client experience.
• Act as a senior subject matter expert for mortgage and regulated lending products across regulatory, operational, conduct, customer and competency dimensions.

REQUIRED QUALIFICATIONS, KNOWLEDGE & SKILLS

• Requires strong commercial awareness, regulatory understanding, and stakeholder management capability.
• Experience operating within regulated lending environments is essential.
• Ability to balance client outcomes, risk management, and operational effectiveness.
• Ensures colleague competence while supporting delivery across teams.
• Aligns delivery with strategic growth objectives.
• Influences and collaborates effectively across multidisciplinary teams.

About us

At Hampden Bank, we provide private banking as it should be: approachable, accessible expertise delivered through loyal, long-lasting client relationships. Personalised service is at the core of our business, with a culture that is built on relationships. We take the time to get to know our clients to help them achieve their aspirations.

Why join us

As a growing and ambitious company, we seek people to join our team who share our values; Proud Ownership, Absolute Integrity, Total Inclusivity, Winning Teamwork and Purposeful Growth. We are committed to an inclusive culture where everyone is comfortable to be their authentic self. We recognise, value and respect diverse cultures, knowledge, and identities. We work together to ensure collaboration, development, and success for everyone, supporting them to thrive and reach their potential. We offer exciting career opportunities through professional and personal development, and have an extensive range of benefits you can enjoy.

To apply

Please submit your CV by the closing date. Please remember, on occasion we do receive more applications than expected we may bring the closing date forward, so please do apply promptly. If you require reasonable adjustments to be made during the recruitment process, please let us know by contacting the People Team and we will endeavour assist you. If you are excited about this opportunity and think you can bring value to the role and Hampden Bank, but your experience does not align perfectly with every aspect of what we are looking for, we would be happy to hear from you. If you have any questions or are interested in learning more about the role, please contact the People Team and we will get back to you as soon as possible.

Hybrid working / flexible working

We support hybrid working and our policy is that colleagues spend at least 60% of their working week in the office to connect and collaborate with their colleagues. We are open to considering requests from candidates who are looking for flexible arrangements. Please talk to us at interview about the flexibility you are looking for, and we will explore what is possible for the role. We cannot promise to meet every request, but we will not judge you for asking.