Product and Propositions Manager - Commercial Lending

JR United Kingdom; Newport; On-site; GBP 60,000 - 80,000; Full time

Job summary

A leading financial institution in Newport is seeking a Product and Propositions Manager in Commercial Lending. The role involves developing customer-centric products and managing stakeholder engagement within a vibrant team. Ideal candidates have strong leadership skills, a commitment to customer service, and a solid understanding of financial products. The position offers competitive benefits including flexible working hours and opportunities for career development.

Benefits

25 days holiday plus Bank Holidays

Discretionary annual bonus

Pension with up to 11% employer contribution

Private medical insurance and health plans

Access to retail and hospitality discounts

Qualifications

• Strong understanding of financial products' value.
• Experience in managing loan application processes.
• Leadership experience in motivating and developing teams.

Responsibilities

• Identify, prioritize, and deliver customer-centric propositions.
• Develop insight-led products with the Commercial Lending Team.
• Manage portfolio change and ensure alignment with strategy.

Skills

Customer-centric mindset

Stakeholder engagement

Change delivery

Negotiation skills

Process improvement

Customer service excellence

Job description

Product and Propositions Manager - Commercial Lending

About the business

Operating for over 150 years with a physical presence in over 240 towns and cities throughout the UK, this business prioritizes its customers and employs over 3,000 staff. They are committed to creating a positive community impact and are actively addressing environmental concerns and climate change risks. They are embarking on a 5-year investment plan to transform their operations.

About the job

This role offers the opportunity to contribute to delivering innovative propositions and products for customers, providing valuable exposure and exciting challenges. It is central to the growth of the Commercial Lending Team, supported by significant investments and strategic plans to build a robust business for commercial clients.

About the role

• Obsession with customer needs is essential, as you will be responsible for identifying, prioritizing, assessing, designing, and delivering customer-centric commercial propositions and product developments.
• You will collaborate with the wider Commercial Lending Team to develop insight-led products that deliver clear commercial benefits and meet market needs. You will also champion product development initiatives and manage stakeholder engagement to facilitate change.
• Managing an ongoing portfolio of change, you will assess the complexity, costs, and impacts of delivery, establish business benefits, and ensure alignment with group strategy and regulatory guidelines.

About you

• Strong understanding of how financial products create value for both the business and customers.
• Experience building stakeholder networks and understanding industry dynamics and competitors.
• Proven track record of delivering change, with excellent communication skills at all organizational levels and a collaborative working style.
• Leadership experience, including motivating and developing teams; remote leadership experience is a plus.
• Knowledge of lending onboarding operations, especially within commercial mortgages, and experience managing loan application processes.
• Exceptional negotiation and influencing skills, with the ability to handle difficult conversations effectively.
• Experience in process improvement and a mindset focused on efficiency and customer service excellence.
• Commitment to providing first-class customer service, both directly and through team embedding, including experience serving brokers.

What’s on offer

The organization values its people, offering a respectful environment where you can be authentic and develop a rewarding career.

Flexibility: Flexible working options to support work-life balance, including early finishes and accommodating personal commitments.

Development: Opportunities for skill enhancement and career progression, with comprehensive induction and training programs from day one.

Inclusivity: A welcoming environment that encourages authenticity and diversity. Your extra efforts in helping customers will be appreciated.

Additional benefits include:

• Holidays: 25 days plus Bank Holidays, with options to buy up to 5 additional days.
• Bonus: Discretionary annual bonus based on business performance.
• Pension: Up to 11% employer contribution.
• Healthcare: Private medical insurance, dental, and health plans.
• Other Benefits: Access to discounts on retail, hospitality, and health services through the benefits portal.