Mortgage Product Manager (Pricing) | £55k - £65k | 2 days in office

Skillful; West Midlands; Hybrid; GBP 45,000 - 65,000; Full time

Job summary

Skillful in the United Kingdom is seeking a pricing specialist across mortgage brands, with hybrid working arrangements (2 days in the office) in Wolverhampton or Chatham. You will own pricing for residential, buy-to-let and commercial loans and influence market positioning and pricing strategy.

You will lead pricing changes from proposal to launch, and collaborate with Marketing, Sales, and Product Development to get pricing right. A proactive, data-driven mindset is essential.

Qualifications

• 3+ years in mortgage pricing
• Cross-departmental collaboration to deliver product launches
• Strong product data analysis and market competitor analysis skills
• Experience taking pricing from inception through sign off
• Solid Excel skills and understanding of UK mortgage market and regulation

Responsibilities

• Review market positioning on rate and criteria against the peer group and flag where the business needs to move
• Own pricing of complex, larger loan cases and decide on structure
• Lead pricing changes from proposal through to sign off and market launch with Marketing, Sales, Key Accounts and New Product Development
• Produce analyses that sit behind pricing papers and strategic recommendations
• Support the wider proposition for new business and retaining existing customers
• Coach assistant PMs and product analysts in the team

Skills

Mortgage pricing

Pricing strategy

Excel skills

Data analysis

Cross-functional collaboration

Market positioning

Tools

Excel

Job description

Location: Wolverhampton or Chatham - Hybrid (2 days in office)

Contract: 12 month FTC with a strong possibility of going permanent - read below!

Firstly, I understand that FTC isn't everyone's first choice, BUT, this is a fantastic bank that will do their upmost to keep good people - whether that's in this role, or internally within the bank. They are going through a huge transformation so there is a very high chance of this becoming permanent!

This is one of the most exciting specialist lenders in the UK mortgage market right now. They're going through an exciting period of change, new branding, new positioning, and a real appetite to shake up how they show up against the bigger names. If you want to join somewhere at a pivotal moment rather than somewhere set in its ways, this is it.

They've built a reputation for being different. Multiple brands under one roof, covering everything from everyday mortgages to complex, larger cases that most lenders wouldn't touch. The culture backs that up too, close knit teams, low ego, people who've been there years because they actually enjoy the place. This isn't a role where you wait to be told what to do. You'll be expected to have a view on where the market is moving and bring pricing changes to the table before someone else asks for them.

You'll sit close to senior stakeholders, with day to day influence over how each brand is priced and positioned. Rather than sitting at a desk producing reports for someone else's decisions, you'll own the pricing recommendations that go into those decisions, and see them through from proposal to launch.

What's the role?

You'll be the pricing specialist across a set of lending brands spanning residential, buy to let and commercial. On any given week you might be:

• Reviewing market positioning on rate and criteria against the peer group, and flagging where the business needs to move
• Owning the pricing of complex, larger loan cases and making the call on how they should be structured
• Leading pricing changes from proposal through to sign off and market launch, working with Marketing, Sales, Key Accounts and New Product Development to get it right
• Producing the analysis that sits behind pricing papers and strategic recommendations
• Supporting the wider proposition, both for new business and retaining existing customers
• Coaching assistant PMs and product analysts in the team

Who are they looking for?

• 3+ years in mortgage pricing, including exposure to larger, more complex cases
• A track record of working cross departmentally to deliver product launches at pace
• Strong product data analysis and market competitor analysis skills, ideally used to support business cases
• Experience taking pricing from inception through to sign off
• Solid Excel skills and a detailed understanding of the UK mortgage market and its regulation

If this sounds like your kind of place, we'd love to hear from you.