Head of Mortgage Portfolio Management Salary: National - £130,000 - £140,000, London - £140,000 - £150,000 We have an exciting and outstanding opportunity to join our Equity Release (ER) business. We are looking for an established leader who has strong analytical experience who will build detailed knowledge on the UK residential property market and has strong collaborator leadership skills to optimise the value of our existing book of Mortgages £12bn as well as the type of property we accept as New Business. A bit about the job: As the Head of Mortgage Portfolio Management, you will manage a team of 5-10 individuals that range in skill from Property Surveyors, Underwriters, Economists and Actuaries. You will also be responsible for decisions on: Property Lending Criteria - Ensuring that the properties Aviva Equity Release accepts as security for its Lifetime Mortgages represent an acceptable risk, with a focus on their future saleability and value, influencing Funders, both internal and external, on the optimisation of this criteria Portfolio Management - Monitor and manage the performance of the Equity Release Mortgage back book (c£12bn in existing loans and >£30bn in property values) including the cases where the No Negative Equity Guarantee (NNEG) bites, cases in default, cases in possession, litigation cases and cases where there are potential professional indemnity claims. This will require close working with the funders, IWR Legal, operations and second line Risk Property Experience Analysis - Working with our operations and Actuarial teams to build and maintain predictive analysis of property experience (e.g. Property Dilapidation) that will impact the value of the £12bn book of loans Economic Scenario setting - Working with Economists within the team and wider Aviva (e.g. Aviva Investors), build and maintain a view of future Housing Market Economic Scenarios that are critical for influencing and building business plan for both Equity Release and the wider Aviva business, influencing the UKER Board, CIO, and wider Aviva on this outcome Sustainability - Own the model to monitor performance of the climate impacts of residential property on the climate outcomes of Aviva, influencing the position to drive the right balance between Equity Release business outcomes and the climate ambitions of Aviva. Influence the Equity Release Director and HOF propositions on options to minimise the impact through proposition design options Skills and experience we're looking for: Strong leadership influencing and relationship management skills Strong written, verbal, and analytical skills with the ability to interpret complex data and engage at all levels and have good Presentational skills Effective cost management and budget planning and resource management experience Ability to find opportunities to build mutual outcomes and mobilise resources to deliver and be able to influence at board level both within and external to Aviva Experience in senior finance, underwriting, surveyor, or pricing roles In this role you'll be 'Certified' under the Financial Conduct Authority / Prudential Regulation Authority's Senior Managers and Certification Regime (SMCR). This means that we'll need to complete some regulatory background checks on you before you take up your role and we'll need to ask you some questions on an annual basis to make sure you remain 'fit and proper' to carry out your role. We'll provide training on what holding a SMCR role means when you join us and annually thereafter. What you'll get for this role: Our purpose - with you today, for a better tomorrow - is a promise we make to our colleagues too. And one of the ways we live up to that promise is by investing in you. We have so much to offer when it comes to being an Aviva colleague. National salary £130,000 - £140,000 - London salary £140,000 - £150,000, (depending on location, skills, experience, and qualifications) Bonus opportunity - 25% of annual salary Actual amount depends on your performance and Aviva's. Generous pension scheme - Aviva will contribute up to 14%, depending on what you put in. 29 days holiday plus bank holidays, and you can choose to buy or sell up to 5 days Make your money go further - Up to 40% discount on Aviva products, and other retailer discounts Up to £1,200 of free Aviva shares per year through our Matching Share Plan and share in the success of Aviva with our Save As You Earn scheme Brilliantly supportive policies including parental and carer's leave Flexible benefits to suit you, including sustainability options such as cycle to work Make a difference, be part of our Aviva Communities and use your 3 paid volunteering days to help others We take your wellbeing seriously with lots of support and tools Take a look to learn more. Put a salary into this calculator to see what your total Aviva Reward could be. Aviva is for everyone: We're inclusive and welcome everyone - we want applications from all backgrounds and experiences. Excited but not sure you tick every box? Even if you don't, we would still encourage you to apply. We also consider all forms of flexible working, including part time and job shares. We flex locations, hours and working patterns to suit our customers, business, and you. Most of our people are smart working - spending around 50% of their time in our offices every week - combining the benefits of flexibility, with time together with colleagues. To find out more about working at Aviva take a look here We interview every disabled applicant who meets the minimum criteria for the job. Once you've applied, please send us an email stating that you have a disclosed disability, and we'll interview you. We'd love it if you could submit your application online. If you require an alternative method of applying, please give Guv Johal a call on 0750 008 7919 or send an email to Guv.Johalaviva.com .