At a Glance
- Tasks: Lead the development and optimisation of innovative lending products and client journeys.
- Company: Join a respected bank with a growing lending franchise and collaborative culture.
- Benefits: Competitive salary, discretionary bonus, private medical cover, and flexible working options.
- Other info: Opportunity for career growth in a dynamic and inclusive environment.
- Why this job: Take ownership of impactful lending propositions and shape your career in a high-visibility role.
- Qualifications: Experience in lending environments with strong commercial and regulatory understanding.
The predicted salary is between 60000 - 75000 £ per year.
Up to £70,000 plus excellent bonus and benefits. Edinburgh - Hybrid working (3 days in the office, 2 days WFH).
Candidates will need proven experience of operating within a lending environment, ideally combining product ownership, product governance or proposition development with a strong commercial and regulatory understanding.
A fantastic opportunity has arisen to join a bank with a growing lending franchise as they seek a Senior Product Owner to take strategic ownership of its non-regulated lending propositions. This is a high-profile role within the Product & Proposition function, reporting directly to the Head of Product & Proposition.
You will own the development, governance and continuous improvement of the bank’s commercial and bespoke lending products and the client journeys that sit around them. This is a role for someone who can balance commercial performance with strong client outcomes and robust risk management, translating strategic goals into clear product roadmaps and scalable lending capability.
Key Responsibilities of the Senior Product Owner - Lending include:
- Product Ownership: lead the development, enhancement and optimisation of lending propositions, operational processes and digital capabilities, ensuring products remain competitive, commercially viable and aligned to client and intermediary needs.
- Product Governance: oversee product approvals, product reviews, pricing changes, policy alignment and product withdrawal considerations within the bank’s governance frameworks.
- Change Delivery: drive strategic, regulatory and technology change initiatives through both RUN and Change projects.
- Performance Monitoring: monitor product performance through MI, client insight, pipeline performance, utilisation trends, complaints data, operational metrics and commercial measures.
- Credit Risk Partnership: work closely with Credit Risk to ensure alignment between product design, underwriting appetite, portfolio performance and operational execution.
- Client Journeys: support optimisation of onboarding, credit assessment, fulfilment, servicing and client management journeys to improve efficiency and client experience.
- Controls & Resilience: ensure supporting processes, controls and systems remain robust, scalable, resilient and aligned to regulatory risk expectations.
- Third Party Management: manage relationships with third party providers, intermediaries, technology partners, legal suppliers and operational vendors supporting lending activities.
- Digital Agenda: support workflow optimisation, automation, data-led decision making and enhanced client servicing capability.
- Training & Competence: maintain T&C arrangements relevant to lending activities and partner with Compliance, Risk and operational leadership on T&C frameworks, quality assurance and coaching outcomes.
- Conduct & Outcomes: monitor conduct indicators, client outcomes, QA findings, complaint trends and operational risk events, identifying training needs and driving improvements in colleague capability.
Requirements for the successful Senior Product Owner - Lending:
- Demonstrable experience operating within lending environments is essential - commercial and/or bespoke lending exposure is particularly relevant.
- Strong commercial awareness alongside a solid regulatory understanding, including Consumer Duty, financial crime and wider risk frameworks.
- Proven ability to balance client outcomes, risk management and operational effectiveness.
- Excellent stakeholder management skills, with the ability to influence and collaborate across multidisciplinary teams.
- Experience of product governance, product lifecycle management or proposition development within a banking or financial services setting.
- A track record of aligning delivery with strategic growth objectives.
Rewards for you:
- A senior, high-visibility role with genuine ownership of a growing lending proposition.
- Bonus: discretionary annual bonus opportunity.
- Benefits: competitive package including private medical cover and flexible working options.
- Culture: a collaborative, inclusive environment where expertise and commercial judgement are genuinely valued.
- Development: real scope to shape the product agenda and progress your career within a respected bank.
Senior Product Manager - Lending employer: Montpellier Resourcing
As a Finance Manager at our private bank, you will be part of a dynamic team dedicated to supporting charitable initiatives, making a meaningful impact in the community. We offer a collaborative work culture that prioritises employee growth through continuous learning opportunities and professional development. Located in a vibrant area, our bank provides unique advantages such as flexible working arrangements and a strong commitment to social responsibility, ensuring that your work is both rewarding and fulfilling.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Product Manager - Lending
✨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 Montpellier Resourcing. 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 Product Manager - Lending
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 Montpellier Resourcing.
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 Montpellier Resourcing'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 Montpellier Resourcing
✨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 Montpellier Resourcing.
✨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 Montpellier Resourcing 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 Montpellier Resourcing 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.
