Purpose This main function of this role is to support the business with research, development, implementation and governance duties across both new and existing product suites, criteria and supporting materials. This role will be required to monitor our proposition(s) competitive position in the market in terms of pricing and criteria on an ongoing basis and against a range of defined lenders and recommend criteria and pricing changes to the Head of Products Job Role Accountabilities To lead the relationship with external third party intermediary product sourcing and criteria platforms, and develop external relationships as necessary to support the product function. Develop and maintain an analysis of market competitors for rates and criteria and work with Marketing to scope and develop changes to marketing material and the website where appropriate around product proposition, and the related rates and criteria Assist and lead in the launch and withdrawal of new product propositions. Assist and on occasion lead the launch and withdrawal of new and existing products internally and externally ensuring all parties have the relevant information in a timely manner and appropriate sign-offs and authority to proceed are received. To develop a close working relationship with sales, IT and operations to determine, broker requirements and own internal capability with regards to processing and the development and roll out of new propositions Examples of Key Activities Managing all key external product and criteria platform ensuring effective and timely updates. Co-ordinate and lead with marketing to update website and marketing material Liaise with sales and operations to understand volumes, capacity issues, broker concerns and methods to resolve Provide Daily/Monthly Management Information Insights R esearching Mortgage Lending opportunities to determine whether they are commercially viable. Identification of opportunities or trends and making recommendations to Head of Product. Monthly Product Target Market Submission Reviews Completion of the annual product assessments of our Target Market. Supporting Product Governance Committee Key Relationships Job Title Relationship Head of Product Direct Report Broker Operations Collaborative working Marketing Collaborative working Risk Collaborative working Sales Collaborative working Operations Collaborative working Corporate Accountabilities Ensuring conduct which is consistently and continuously in accordance with FCA Regulations Always acting with integrity and ensuring all customers are treated fairly. Complete all mandatory training as and when required. Consistent adherence to and understanding of all policies, procedures and obligations of the firms as part of its first line of defense of the firm. Carry out assessments of the company's Target Market at least annually, and review promptly upon the identification of any event that could materially affect the potential risk to the target market. Evaluate and develop product propositions. Collaborate with stakeholders to ensure critical stakeholder interests are met. Fulfil Stakeholder expectations and requirements through considered Stakeholder Management activities and interactions. Effective work allocation and all associated tasks required to manage product development activity successfully. Provide coaching and support to others across the business on product related enquiries. Support the Head of Product to enhance controls and processes to mitigate risks associated with the Product responsibilities. Support the Head of Product with the review of changes to regulation and legislation, working together to complete a detailed analysis to determine the impact of the changes to the business. Make recommendations and work with Risk and Compliance to implement change as necessary to ensure products and processes remain compliant Qualification, Skills, Knowledge and Experience Qualifications Essential Ideally educated to degree level or equivalent market experience Desirable CeMAP Skills and Knowledge Proficient across Excel (Advanced) / PowerBI / PowerPoint / Word Must have excellent organisational skills Good knowledge of the residential, buy to let, and specialist markets essential Good understanding of the broker and intermediary lending channels Excellent analytical and abstract reasoning skills Good Knowledge of Consumer Duty Awareness of the changes and development in regulation and legislation and their impact on the business including Anti-Money Laundering, Data Protection Act, Financial Conduct Authority, Consumer Duty Experience 3 years’ experience working for a mortgage lender, ideally in a B2B environment Experience working on your own initiative and being able to deal with people at a senior level Proven track record in project management with the ability to develop and deliver activities against a realistic plan within a fast-paced and ambiguous environment Location Our offices are located in Guildford. We love hybrid work, but we'd expect you to join us in an office about twice a week Benefits Competitive pay Salary exchange, generous pension contributions ❤️ Private healthcare Life insurance (4x salary) Complete support with CPD 30 days’ annual leave ( bank holidays) ♂️ Flexible working Cycle to Work Complimentary snacks and drinks, team events, a flexible workspace