Mortgage Market Intelligence & Sourcing Lead

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

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.