Job Purpose

Act as a critical link between business stakeholders and modern data capabilities by leveraging Microsoft eco-system to design, build, and maintain new compliant, high‑quality analytical data solutions within a regulated financial‑services environment. The role focuses on transforming business objectives into robust, auditable data models, pipelines, and insights that support risk management, regulatory reporting, operational efficiency, and strategic decision‑making.

Collaborate with technical and non-technical teams to understand existing infrastructure and business needs and map to new strategic data products and processes that will provide insight and data driven decisioning

Key responsibilities:

• Engage with business stakeholders to understand and document data requirements aligned with organisational goals and regulatory requirements
• Translate business requirements into functional specs and data products to support change, process improvement, new analytical products and automation.
• Design and build Lakehouse/Warehouse data models and pipelines to support end to end data ingestion through to MI and Dashboards such as Customer Analytics, Risk MI, Financial Crime monitoring, reg reporting and marketing.
• Implement and monitor audit trails such as Data Lineage, Quality and traceability
• Utilise data to analyse, interpret and visualise trends, patterns, and business and efficiency opportunities.
• Develop use cases and user stories in collaboration with stakeholders to ensure alignment and clarity.
• Facilitate workshops and stakeholder meetings to gather insights, validate requirements and share findings.
• Develop and maintain documentation, including data models, process flows, data dictionaries, and business glossaries.
• Support data quality initiatives, identifying and addressing data issues or inconsistencies and maintenance of Critical Data Elements (CDEs).
• Assist in the design and implementation of data governance and data management practices.
• Facilitate data-driven decision-making through the creation of Power BI dashboards, reports, and presentations.
• Provide guidance and support to business stakeholders and users to aid the delivery of project and change lifecycles.
• Support the wider project and change delivery team, including business case development, planning, workshops, reporting, RAID and action logs.
• Maintain effective controls to mitigate risk and ensure compliance with required processes and procedures, including Treating Clients Fairly, and report any failings to line management or the Risk department.
• Champion a culture of data literacy and continuous improvement within the business. Foster a data led ethos across all business areas

Required skills, knowledge & experience:

• Bachelor’s degree in business, Information Systems, Data Science, or a related field (or equivalent experience).
• Relevant certifications (e.g., IIBA CBAP, BCS Business Analysis, or data analytics qualifications) are advantageous.
• Proven experience with the Microsoft Fabric stack (SQL, Power BI, Azure, PowerApps, Dynamics) with a focus on data or analytics projects.
• Experience of Oracle systems and data structures is desirable
• Demonstrated track record of delivering data-driven solutions to business challenges.
• Experience working with cross-functional teams in a fast-paced environment to gather and map requirements
• Strong analytical and problem-solving skills, with the ability to interpret complex data sets.
• Excellent communication and stakeholder management skills.
• Proficiency in data visualisation tools and automation techniques
• Experience with data querying languages (e.g. SQL) and understanding of data structures and security models.
• Knowledge of data governance, data quality, and data management best practices.
• Understanding of data privacy and compliance requirements (e.g., GDPR).
• Ability to document processes, requirements, and data flows clearly and concisely.
• Familiarity with Agile and/or Waterfall project methodologies.
• Adaptability and willingness to learn new technologies or concepts in the data domain.

Personal Attributes

• Curious and proactive mindset, with a passion for deriving insights from data.
• Strong attention to detail and commitment to data accuracy and integrity.
• Collaborative approach and ability to work effectively with diverse teams.
• Strong organisational and time management skills.

Job Purpose

To assist Banking Directors and Associate Banking Directors to manage their defined Client Portfolios, and to be responsible for handling day-to-day administrative matters for those clients, providing exceptional levels of service.

Key responsibilities:

• To establish and maintain strong working relationships with clients, which will involve in person as well as online meetings.
• To handle day-to-day administrative matters (e.g. payment processing, account opening, foreign exchange, deposit requirements) with a particular emphasis on retail and commercial clients.
• To assist with the preparation of internal credit applications and with regular monitoring of existing borrowings in accordance with Company Credit policies and procedures. This requires gaining good skills in using the bank’s internal systems.
• To undertake or support any ad-hoc business projects as required including new product launches.
• Using effective questioning and listening skills to establish client and potential client needs.
• Maintaining accurate and relevant client records in accordance with the Bank’s procedures and data protection requirements. Assisting with all Anti Money Laundering requirements for a variety of client types.
• Working effectively with colleagues within Credit Risk, Client Operations, Financial Crime and other departments to provide exceptional client service and to meet the Bank’s objectives.
• Timeously completing mandatory eLearning and reading and any other assigned training.

Required skills, knowledge & experience:

• Preferably educated to a UK degree level or equivalent.
• Foundation awareness of how a bank operates and its commercial environment, as well as with issues likely to affect the Bank’s client base.
• A strong commitment to excellent client service and teamwork and a desire to develop their career within a progressive bank.
• Strong relationship building skills.
• Excellent interpersonal and communication skills (both written and oral).
• Good organisational and administrative skills
• Good knowledge of Microsoft Office applications.
• People leader experience is desirable.

JOB PURPOSE

The Senior Product Owner for Lending Products is responsible for the strategic ownership, development, governance and continuous improvement of the Bank’s non‑regulated lending propositions, including commercial lending, bespoke lending solutions and associate client journeys. The role ensures products deliver strong client outcomes, operate efficiently, manage risk effectively, and achieve sustainable commercial performance across their full lifecycle.

Operating within a regulated environment, the role is responsible for compliance with all relevant regulatory and governance requirements, including Consumer Duty, financial crime, and 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.

MAIN RESPONSIBILITIES / KEY DUTIES

• Lead the development, enhancement and optimisation of lending propositions, operational processes, and digital capabilities.
• Ensure lending products remain competitive and commercially viable, operationally efficient and aligned to client and intermediary needs.
• Drive delivery of strategic, regulatory and technology change initiatives through RUN and Change projects through the appropriate governance frameworks.
• Oversee product governance activities including product approvals, product reviews, pricing changes, policy alignment and product withdrawal considerations.
• Monitor product performance through MI, client insight, pipeline performance, utilisation trends, complaints data, operational metrics and commercial performance measures.
• Partner closely with Credit Risk to ensure alignment between product design, underwriting appetite, portfolio performance, and operational execution.
• Support optimisation of onboarding, credit assessment, fulfilment, servicing and client management journeys to improve efficiency and client experience.
• Ensure supporting operational processes and controls, and systems remain robust, scalable, resilient and aligned to regulatory risk expectations.
• Manage relationships with third party providers, intermediaries, technology partners, legal suppliers, and operational vendors supporting lending activities.
• Support the Bank’s digital agenda through workflow optimisation, automation, data led decision making, and enhanced client servicing capability.
• Maintain training and competence (T&C) arrangements relevant to lending activities, ensuring colleagues involved in lending journeys maintain appropriate knowledge, capability and understanding of products, policy, conduct expectations and operational processes.
• Work in partnership with Compliance, Risk and operational leadership teams to support effective T&C frameworks, quality assurance activity, coaching outcomes and continuous improvement initiatives.
• Monitor conduct indicators, client outcomes, quality assurance findings, complaint trends, and operational risk events and identify training needs and drive improvements in colleague capability and client experience.
• Act as a senior subject matter expert for lending products across commercial, operational, conduct, client and governance.

REQUIRED QUALIFCATIONS, KNOWLEDGE, & SKILLS

• Requires strong commercial awareness, regulatory understanding, and stakeholder management capability.
• Experience operating within 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.

Job Purpose

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 skills, knowledge & experience:

• 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.