At a Glance
- Tasks: Lead the management of our Second Charge Mortgage portfolio and drive commercial success.
- Company: Join Vanquis, a caring bank with a commitment to employee wellbeing and growth.
- Benefits: Enjoy 25+ days holiday, enhanced family leave, workations, and access to LinkedIn Learning.
- Other info: Flexible working options available, including part-time arrangements.
- Why this job: Make a real impact in a supportive environment while developing your career in finance.
- Qualifications: Experience in mortgage lending and strong knowledge of financial products required.
The predicted salary is between 60000 - 75000 £ per year.
Contract Type: Permanent
Location: Bradford
Working Pattern: Hybrid (usually a couple of days a week in the office). We welcome part-time and flexible arrangements and will aim to match your current flexibility where possible.
What We Offer
- Holidays: 25 days (rising to 30) + buy/sell up to 5 days + swap up to 4 bank holidays.
- Pension: Up to 10% employer contribution.
- Family Leave: Enhanced maternity and 4 weeks’ paternity from day-one, shared parental leave, paid neonatal care leave and support for adoption and surrogacy.
- Fertility Support: Paid time off for fertility treatment and appointments, available to birth parents and partners, with confidential support and flexible adjustments where needed.
- Workations: Work abroad for up to 20 days a year in approved countries.
- Birthday Leave: Your birthday off—paid.
- Volunteering: 2 paid volunteering days.
- Learning: Access to LinkedIn Learning for all colleagues.
- Financial Wellbeing: Free Snoop Premium subscription.
- Healthcare: Self-pay Denplan & optional Private Medical Insurance.
The Role
You and your Team Reporting to the Senior Manager Mortgages & Specialist Portfolios, as the Lead Commercial Manager you will support the management of the Second Charge Mortgage (2CM) portfolio, helping to deliver strong commercial returns. The role will support the transition to warehouse‑led data structures by developing clear, executive‑level reporting and strengthening portfolio oversight. You will work closely with external origination and servicing partners and collaborate with senior internal stakeholders across Treasury, Finance, Risk, Legal and Customer teams.
As a Lead Commercial Manager, you will:
- Enhance the developing oversight framework for our mortgage portfolio, understanding, managing and influencing the key drivers of the 2CM product and portfolio performance.
- Deliver trading information and narrative to support interactions up to/with ExCo level.
- Establish and maintain strong relationships across the business, ensuring continued suitability of 2CM outputs.
- Manage relationships with external lending partners to deliver optimal returns for the Group.
- Become key business contact with data partners as 2CM product transitions to a data warehouse.
- Conduct regular product assessments to identify opportunities to drive commercial value and continuous improvement.
- Deputise for the Senior Manager in relevant committees/forums as required.
What We’re Looking For
- Experience of mortgage lending and the key drivers to deliver sustainable profits.
- Proven track record in commercial/product and pricing strategy in FS.
- Strong knowledge of lending products and market dynamics.
- Understanding of regulatory, legislative and compliance requirements in the UK FS sector.
- Coding knowledge desirable, SQL preferred but other languages beneficial.
How We Hire
We use AI to help organise applications and surface early matches, but all decisions are made by humans. Please apply authentically — especially during interviews. If you need assistive technology or reasonable adjustments (including the use of AI tools), please let the Talent Acquisition team know in advance and we’ll be happy to support you. Where we have reason to believe AI has been used inappropriately, we reserve the right to withdraw a candidate from the recruitment process.
Pre-Employment Checks
Any offer made will be subject to standard background checks, including credit, fraud and employment references. Due to the regulated nature of our business, additional checks may apply.
Who we are
At Vanquis, our purpose is simple: to deliver caring banking that helps people make the most of life’s opportunities. Founded in 1880, we’re now a FTSE All Share specialist bank supporting over 1.7 million UK customers with responsible, tailored lending. We’re proud to be certified by Great Place to Work, recognised as one of the Financial Times UK’s Best Employers in 2025 and 2026, and awarded Bronze status under the Armed Forces Covenant. Taken together, these achievements reflect our genuine commitment to putting our people first and supporting those who serve.
Guided by our values — caring for people, pulling together, finding better ways and getting the right things done — we’re building a workplace where colleagues feel connected, valued and empowered. Alongside competitive pay, we offer meaningful benefits, salary reviews, a discretionary bonus scheme and continued recognition. We’re invested in your development too. With the right support and hands-on learning, you’ll grow your skills, shape your career and realise your ambitions.
Equal Opportunities
Vanquis Bank is an Equal Opportunity Employer. We value everyone’s unique background, identity and experience, and we’re committed to a workplace where all colleagues can thrive. If you need any adjustments or support during the recruitment process, please contact careers@vanquis.com and we’ll be happy to help.
Lead Commercial Manager - Mortgages in Chatham employer: Vanquis
At Vanquis, we pride ourselves on being an exceptional employer, offering a supportive and flexible work environment in Bradford. Our commitment to employee wellbeing is reflected in our generous benefits package, including enhanced family leave, workations, and access to continuous learning opportunities. With a strong focus on personal growth and a culture that values collaboration and innovation, we empower our colleagues to thrive both professionally and personally.
StudySmarter Expert Advice🤫
We think this is how you could land Lead Commercial Manager - Mortgages in Chatham
✨Tip Number 1
Network like a pro! Reach out to your connections in the mortgage industry and let them know you're on the lookout for opportunities. A friendly chat can lead to insider info about openings that aren't even advertised yet.
✨Tip Number 2
Prepare for those interviews! Research the company, understand their mortgage products, and be ready to discuss how your experience aligns with their needs. Practise common interview questions and have your own questions ready to show your interest.
✨Tip Number 3
Showcase your skills! If you’ve got coding knowledge or experience with SQL, make sure to highlight that during interviews. It’s a great way to stand out, especially since they’re looking for someone who can handle data-driven decisions.
✨Tip Number 4
Apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows you’re genuinely interested in joining the team at Vanquis. Don’t miss out on this opportunity!
We think you need these skills to ace Lead Commercial Manager - Mortgages in Chatham
Some tips for your application 🫡
Tailor Your Application:Make sure to customise your CV and cover letter to highlight your experience in mortgage lending and commercial strategy. We want to see how your skills align with the role of Lead Commercial Manager, so don’t hold back!
Showcase Your Achievements:When detailing your past roles, focus on specific achievements that demonstrate your ability to drive commercial value. Use numbers and examples to illustrate your impact—this will help us see the value you can bring to our team.
Be Authentic:We appreciate authenticity! When filling out your application, let your personality shine through. Share your passion for the financial services sector and why you’re excited about this opportunity with us.
Apply Through Our Website:For the best chance of success, make sure to apply directly through our website. This helps us keep track of your application and ensures it gets the attention it deserves. Plus, it’s super easy!
How to prepare for a job interview at Vanquis
✨Know Your Mortgages
Make sure you brush up on your knowledge of mortgage lending and the key drivers that influence profitability. Be prepared to discuss how you can enhance the oversight framework for the Second Charge Mortgage portfolio.
✨Build Relationships
Since this role involves managing relationships with external partners and internal stakeholders, think about examples from your past where you've successfully built and maintained strong professional relationships. This will show your ability to collaborate effectively.
✨Showcase Your Analytical Skills
As a Lead Commercial Manager, you'll need to deliver trading information and insights. Be ready to discuss your experience with data analysis, especially if you have coding knowledge or SQL skills. Highlight any relevant projects where you've used data to drive commercial value.
✨Understand the Regulatory Landscape
Familiarise yourself with the regulatory, legislative, and compliance requirements in the UK financial services sector. Being able to articulate your understanding of these aspects will demonstrate your readiness for the role and your commitment to responsible banking.
