Post date 06.11.26 Principal, Mortgages Policy

UK Finance Limited; Greater London; On-site; GBP 75,000 - 110,000; Full time

Job summary

UK Finance Limited is seeking a senior policy professional to develop and lead the Mortgages team's objectives, owning defined policy areas and projects and providing technical input to cross-cutting initiatives.

The immediate focus is housing supply and property-level physical risk, drawing on the Resilient Homes Strategy to support the quality, value and usability of existing homes and the delivery of resilient new housing.

Qualifications

• Senior technical expert with mortgage-banking knowledge.
• Ability to lead projects independently.
• Communicate policy clearly to diverse stakeholders.
• Develop evidence-based policy proposals.

Responsibilities

• Develop and lead team priorities for the Mortgages team; own defined policy areas and projects and provide technical input to cross-cutting initiatives.
• Lead the immediate housing supply and physical-risk agenda; develop policy and industry engagement on housing stock and risk management.
• Provide technical leadership; maintain in-depth expertise and assess effects on members, customers, stakeholders and the regulatory environment.
• Develop evidence-based policy; identify issues, analyse evidence and translate technical issues into practical implications and recommendations.

Skills

Mortgage policy

Policy development

Stakeholder engagement

Technical leadership

Cross-functional collaboration

Analytical reasoning

Job description

Develop and lead work to deliver the wider objectives of UK Finance’s Mortgages team, taking ownership of defined policy areas and projects as required.

The immediate focus will be housing supply and property-level physical risk, drawing on the Resilient Homes Strategy to support the quality, value and usability of existing homes and the delivery of resilient new housing. The portfolio will evolve in response to team priorities and members’ needs.

Operate as a senior technical expert at Principal level, working independently and\/or leading projects and providing technical input to cross-cutting initiatives. Combine detailed mortgage-business knowledge with clear communication, sound judgement and collaborative working to develop policy, build member consensus and credibly represent UK Finance externally.

Some key responsibilities:

• Develop and lead team priorities: shape and deliver agreed Mortgages team objectives, owning defined policy areas and projects and contributing technical expertise to cross-cutting initiatives. Work independently or lead project teams as required, adapting the portfolio as priorities change.
• Lead the immediate housing supply and physical-risk agenda: develop policy and industry engagement on maintaining and increasing housing stock and understanding and managing physical risks. Consider the implications for mortgage business, including insurance, valuation, property information and resilience, without limiting the role’s wider remit.
• Provide technical leadership: maintain in-depth expertise in assigned subsectors, products and cross-cutting issues. Assess their effects on members’ business challenges, customers and consumer representatives, third-party stakeholders including the media, and the regulatory, political and public policy environment. Take account of societal and economic developments, domestic and international perspectives, and innovation, particularly technology.
• Develop evidence-based policy: identify emerging issues, analyse evidence and commission specialist input where appropriate. Produce clear policy proposals, consultation responses and briefings, building member consensus and translating technical issues into practical implications and recommendations.