Senior Product Manager, Savings and Mortgages

Afin Bank Limited; Birmingham; On-site; GBP 60,000 - 70,000; Full time

Benefits offered by this job

Life assurance

26 days annual leave

Private medical insurance

Pension (15% employer)

Annual discretionary bonus

Health & wellbeing benefits

Job summary

Afin Bank Limited is seeking a Senior Product Manager to lead the development, management and enhancement of savings and mortgage products. You will work with risk, compliance, operations, technology, marketing, and commercial teams to deliver customer-centric, compliant and commercially sustainable propositions.

You will monitor product performance, drive improvements, manage governance, and contribute to the bank’s strategic goals, leveraging customer insight and market intelligence to

Qualifications

• Proven ability to execute product strategies aligned to business goals and regulatory requirements.
• Commercial awareness with experience of managing profitability and growth.
• Knowledge of market trends, competitor activity, and regulatory changes impacting banking.

Responsibilities

• Contribute to development of the vision, positioning, and value proposition for savings products.
• Translate regulatory and commercial requirements into product enhancements and opportunities.
• Develop and maintain the product roadmap and delivery plans.
• Lead end-to-end delivery of savings product developments from concept to launch and optimisation.
• Monitor product performance against metrics such as adoption, engagement and commercial outcomes.

Skills

Product strategy

P&L management

Stakeholder management

Regulatory understanding

Cross-functional collaboration

Job description

Afin Bank is a UK Bank designed for individuals whose financial needs often go beyond traditional banking models. It caters to a diverse clientele, including self-employed professionals, foreign nationals, and high-net-worth individuals. Afin Bank offers a range of services, including savings accounts, mortgages, and investments, all aimed at helping customers achieve their financial goals.

Our products are tailored to meet the unique circumstances of their clients, ensuring that everyone’s financial journey is supported and inclusive. Driven by our vision to make banking simple, fair, and built around the customer, we combine expert understanding with innovative thinking to help people achieve their financial goals with confidence.

Our mission is to support individuals and communities that are often overlooked by traditional lenders, creating a safe and inclusive environment where customers feel understood, valued, and empowered to succeed. Backed by WAICA Reinsurance Corporation Plc, one of the world’s leading reinsurance groups, Afin Bank is built on a strong foundation of financial strength, expertise, and long-term stability. We are committed to delivering straightforward, supportive banking solutions that help our customers build stability, grow wealth, and plan confidently for the future.

Because at Afin Bank, we believe life doesn’t fit in a box, and banking shouldn’t either.

The role

The Senior Product Manager will be responsible for developing, managing, and enhancing the bank’s savings and mortgage products, ensuring they deliver customer value, support commercial objectives, and comply with regulatory requirements. The role will contribute to the delivery of the bank’s product strategy through effective product development, lifecycle management, and continuous improvement of customer propositions.

You will work closely with colleagues across risk, compliance, operations, technology, marketing, and commercial teams to identify customer needs, assess market opportunities, and deliver innovative, compliant, and commercially sustainable products. They will champion customer‑centric thinking and support the development of simple, accessible, and digitally enabled product propositions that respond to changing customer expectations, market conditions, and regulatory developments.

The role holder will be responsible for monitoring product performance, identifying opportunities for optimisation and growth, and ensuring products remain competitive and aligned to business objectives. They will support product governance and risk management activities, using data, customer insight, and market intelligence to inform recommendations and enhance product outcomes while contributing to the bank’s wider strategic goals.

Strategic Product Management

• Contribute to the development of the vision, positioning, and value proposition for the savings product, informed by customer insight, market trends, and business objectives
• Translate customer, commercial, and regulatory requirements into product enhancements and new product opportunities
• Develop and maintain the product roadmap, making recommendations on priorities, trade‑offs, and delivery plans
• Collaborate with stakeholders to ensure product initiatives support wider business goals and growth ambitions

Delivery & Execution

• Manage the end‑to‑end delivery of savings product developments, from concept and design through to launch and ongoing optimisation
• Work closely with internal teams and external partners to deliver compliant, scalable, and customer‑focused solutions
• Monitor product performance against agreed metrics, including customer adoption, engagement, satisfaction, and commercial outcomes
• Identify and manage risks, dependencies, and delivery challenges, escalating issues where appropriate and driving timely resolution

Customer & Market Insight

• Build a strong understanding of customer needs, behaviours, and pain points through research, analysis, customer feedback, and testing
• Monitor competitor activity, market developments, and regulatory changes to identify opportunities and inform product decisions
• Use customer and market insights to support product enhancements and improve customer outcomes
• Advocate for a customer‑centric approach across product development and decision

Collaboration & Influence

• Act as a subject matter expert for the savings product, providing guidance and insight to stakeholders across the business
• Build strong working relationships across compliance, risk, operations, technology, marketing, and commercial teams to support successful product delivery
• Contribute to the continuous improvement of product management practices, governance, and ways of working
• Support and influence stakeholders through clear communication, data‑driven recommendations, and effective collaboration across the organisation.

MI and Performance Dashboards

• Build and maintain performance dashboards that give the information required to make management decisions in regards to both the Savings and Mortgage products

Key Responsibilities and Skills

• Proven ability to execute product strategies aligned to business goals and regulatory requirements.
• Commercial awareness, with experience of managing P&L and driving profitability.
• Knowledge of market trends, competitor activity, and emerging technologies impacting the banking sector.
• Knowledge of product lifecycle management, from concept through launch, maintenance, and retirement.
• Ability to foster cross‑functional collaboration with technology, operations, compliance, and commercial teams.

£60,000 - £70,000 a year

Benefits and Values

Our Values

• Curiosity
• Togetherness
• Empowerment
• Innovation

Benefits

• 6x life assurance
• 26 days annual leave
• BUPA private medical insurance
• 15% pension (5% employee contribution and double matched as 10% employer contribution)
• Annual discretionary bonus eligibility
• Access to a suite of competitive benefits under Health and Wellbeing