Head of Unsecured Lending in London

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:

• Lead the transformation of unsecured lending across products, customer journeys, servicing, technology and operating models.
• Define and deliver the strategic roadmap for SME and Consumer lending, driving customer, commercial and operational outcomes.
• Simplify, modernise and digitise processes to improve efficiency and enhance the customer experience.
• Build, lead and develop a high‑performing team capable of delivering both strategic change and business‑as‑usual performance.
• Attract, retain and grow top talent, fostering a culture of accountability, collaboration and continuous improvement.
• Own product governance, risk and regulatory compliance for unsecured lending products, ensuring robust controls and oversight.
• Leverage data and insights to identify opportunities, optimise performance and track transformation success.
• Partner with senior stakeholders across the Bank to align priorities, influence decision making and deliver change at pace.

What you will need:

• Track record of leading transformation of existing products, processes or capabilities within financial services.
• Deep understanding of unsecured lending products, including personal loans and overdrafts, and the drivers of profitable growth and good customer outcomes.
• Strong product management experience of using data and analytics to improve customer journeys, commercial outcomes and operational performance.
• Understanding of transformation levers such as digitisation, process redesign, controls enhancement and operating model improvement.
• Knowledge of regulatory requirements relevant to unsecured lending, including CONC, BCOBS and CCA, and experience applying these in product and process design.

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!)

Diverse teams really are the best teams.