Mortgage Intelligence & Sourcing Manager

Enra Specialist Finance; Watford; On-site; GBP 65,000 - 90,000; Full time

Benefits offered by this job

Private medical healthcare

25 days’ annual leave

Volunteer days

Job summary

West One Loans is seeking a Mortgage Intelligence & Sourcing Manager to maximise origination through sourcing and distribution across Residential, Buy‑to‑Let, Second Charge, Bridging, Commercial and Development Finance. You will deliver market intelligence shaping product, pricing, and criteria decisions.

The role covers end‑to‑end product launches, rate changes, and broker communications, acting as owner for distribution tech integrations and ensuring data-driven pricing strategies.

Qualifications

• Experience in mortgage distribution, intermediary partnerships, pricing or market analytics within a UK lender, network or sourcing provider.
• Strong knowledge of the UK mortgage and specialist lending market, including intermediary distribution models.
• Understanding of pricing, placement and product positioning principles.
• Advanced Excel skills, with ability to build and maintain automated reporting.

Responsibilities

• Lead relationships with sourcing, criteria, affordability and other distribution platforms, negotiating commercial terms to drive value and reach.
• Own the accuracy of West One’s products and criteria across all sourcing and criteria systems — including sign‑off controls for product loads, and logging and resolving any load errors.
• Manage end‑to‑end execution of product launches, rate changes and withdrawals across all platforms, covering broker communications and go‑live timelines.
• Act as business owner for distribution technology integrations including DIP APIs and pricing engines — defining requirements and collaborating with IT to deliver solutions.
• Monitor competitor rates, fees and criteria across all lending lines using sourcing platform data and additional market sources.
• Analyse West One’s ranking and placement by product, LTV band and channel — identifying where pricing or criteria are limiting volume.
• Conduct gap analysis to understand where our products are filtered out during broker searches, recommending criteria adjustments to the Product team.
• Develop data‑backed pricing and positioning recommendations to inform Product and Pricing strategy.
• Prepare regular market intelligence covering channel performance, placement share, visibility and return on investment for Product Managers and senior leadership.
• Deliver distribution and customer outcomes intelligence to support target market monitoring, fair value assessments and product governance in line with the Consumer Duty.
• Collaborate with Product, Compliance and IT teams to ensure new products and channels launch accurately and on schedule.

Skills

Mortgage distribution

UK mortgage market knowledge

Pricing principles

Advanced Excel

Commercial acumen

Stakeholder management

Cross-functional project leadership

Attention to detail

Product and pricing recommendations

Negotiation with partners

Education

CeMAP or equivalent

Tools

Twenty7tec

Iress

Mortgage Brain

Job description

Mortgage Intelligence & Sourcing Manager

Also known as Mortgage Market Intelligence and Sourcing Manager

About the Role

To maximise West One’s origination through sourcing and distribution channels across Residential, Buy‑to‑Let, Second Charge, Bridging, Commercial and Development Finance — and to deliver the market intelligence that directly shapes our product, pricing and criteria decisions.

Key Responsibilities

Distribution and Sourcing

• Lead relationships with sourcing, criteria, affordability and other distribution platforms, negotiating commercial terms to drive value and reach
• Own the accuracy of West One’s products and criteria across all sourcing and criteria systems — including sign‑off controls for product loads, and logging and resolving any load errors
• Manage end‑to‑end execution of product launches, rate changes and withdrawals across all platforms, covering broker communications and go‑live timelines
• Act as business owner for distribution technology integrations including DIP APIs and pricing engines — defining requirements and collaborating with IT to deliver solutions

Market Intelligence

• Monitor competitor rates, fees and criteria across all lending lines using sourcing platform data and additional market sources
• Analyse West One’s ranking and placement by product, LTV band and channel — identifying where pricing or criteria are limiting volume
• Conduct gap analysis to understand where our products are filtered out during broker searches, recommending criteria adjustments to the Product team
• Develop data‑backed pricing and positioning recommendations to inform Product and Pricing strategy

Reporting and Governance

• Prepare regular market intelligence covering channel performance, placement share, visibility and return on investment for Product Managers and senior leadership
• Deliver distribution and customer outcomes intelligence to support target market monitoring, fair value assessments and product governance in line with the Consumer Duty
• Collaborate with Product, Compliance and IT teams to ensure new products and channels launch accurately and on schedule

Success Measures

• Placement share and ranking on key sourcing systems by lending line
• Search‑to‑DIP and DIP‑to‑application conversion rates by channel
• Product load accuracy — zero customer‑impacting load errors
• Timely delivery of rate changes, product launches and updates
• Reliable, high‑quality market intelligence and reporting

Skills and Experience

Essential

• Experience in mortgage distribution, intermediary partnerships, pricing or market analytics within a UK lender, network or sourcing provider
• Strong knowledge of the UK mortgage and specialist lending market, including intermediary distribution models
• Understanding of pricing, placement and product positioning principles
• Advanced Excel skills, with ability to build and maintain automated reporting
• Working knowledge of sourcing and criteria systems including Twenty7tec, Iress and Mortgage Brain
• Proven commercial acumen — able to turn complex data into clear, actionable pricing and product recommendations
• Partnership management and negotiation skills, with ability to influence senior stakeholders
• Experience leading cross‑functional projects and technology initiatives
• Exceptional attention to detail

Desirable

• Experience across specialist lending propositions including Buy‑to‑Let, Second Charge or Bridging
• Familiarity with Consumer Duty, PROD and product governance frameworks
• CeMAP or equivalent qualification
• Proactive, collaborative working style — comfortable engaging with Product, Sales, Compliance and IT teams
• Strong analytical focus with a commitment to accuracy
• Confident communicator — able to present findings and recommendations to senior audiences

Why Join Us?

At West One Loans, we’re growing fast and looking for ambitious people who want to be part of our exciting journey. We’ll give you the tools, training, and support you need to succeed, while offering clear opportunities to progress your career.

Alongside this, we offer a strong benefits package, including private medical healthcare, 25 days’ annual leave, paid volunteering days, and a host of additional benefits.