Corporate Lending Proposition Manager - Core

At Metro Bank, we believe the best banking experience starts with people who genuinely care. We’re not just delivering banking services - we’re building trust through authentic connections. Here, our people come first; our colleagues are part of a team that values individuality, collaboration, and long‑standing relationships. We are also all about balance so most of our jobs offer the opportunity for hybrid working built around your role and home life, wherever possible.

What you will do:

• Review and optimise the end‑to‑end customer journey, identifying opportunities to improve speed, clarity, and experience both for staff and customers.
• Work closely with Risk stakeholders, Credit, and Operations to meet governance requirements for existing products as well as any new lending propositions across Corporate & Commercial Banking.
• Be a key contributor in the design of the wider governance framework for the Commercial Lending products as we grow further into the corporate and commercial space.
• Explore and identify new use cases for AI implementation to help streamline processes.
• Support product pricing strategy, including development of pricing matrices and alignment with risk‑adjusted return expectations.
• Collaborate with Risk, Compliance, and Legal to ensure products remain within policy and regulatory requirements.
• Lead delivery of product governance initiatives driven by business strategy, regulatory change, or customer feedback.
• Maintain product documentation, eligibility criteria, and controls to support a strong product governance environment.
• Monitor performance of the lending portfolio, using data and insight to recommend improvements or to feed into product reviews.

And... we are a bank so risk is a part of everything we do. We love people who take responsibility, do the right thing for customers, colleagues and Metro Bank and have the ability to call out any concerns.

What you will need:

• Commercial Product Management Experience - Sound understanding of Commercial lending products (e.g. term loans, overdrafts, RCFs) with experience in managing or developing propositions.
• Change Delivery: Proven track record of delivering product or process change — from concept through to implementation.
• Customer Journey Awareness: The ability to map, review, and improve end‑to‑end customer and colleague journeys.
• Strategic Thinking: Commercial mindset with the ability to identify market opportunities, assess portfolio risks, and develop value‑adding product strategies.
• Stakeholder Engagement: Skilled in working across first and second line function including Legal, Compliance, Credit, Risk, Technology, and Operations.
• Communication & Influence: Confident communicator, capable of presenting product ideas or recommendations to senior stakeholders and working groups.
• Risk & Regulatory Awareness: Understanding of product governance, risk controls, and regulatory obligations relevant to commercial lending.
• Understand the risks associated with your job and what that means for you, Metro Bank and all our stakeholders.

Our promise to you:

We will make sure that you are well‑rewarded by providing you with a competitive salary, discretionary annual bonus, and a wide range of benefits, including generous holiday allowance, attractive pension scheme, healthcare, life assurance, and a number of colleague discounts! We will give you the training to ensure you succeed in your role and plenty of internal opportunities to progress your career (around 40% of our recruitment comes from internal promotions!).