Job Description:

Our client, a leading financial services organisation, is seeking an experienced Product Owner to join their Proposition team. This is an excellent opportunity for an experienced product professional to take strategic ownership of a portfolio of mortgage and regulated products, driving innovation, governance and continuous improvement across the full product lifecycle.

Working within a regulated environment, you will collaborate with colleagues across Product, Risk, Compliance and Operations to develop customer-focused lending propositions, enhance digital capabilities and ensure products continue to deliver strong customer outcomes while supporting commercial objectives.

Essential Skills/Experience:

• Experience operating within a regulated lending environment.
• Strong commercial awareness and an excellent understanding of the regulatory landscape.
• Proven stakeholder management skills with the ability to influence across multidisciplinary teams.
• Experience balancing customer outcomes, risk management and operational effectiveness.
• Strong understanding of product governance and product lifecycle management.
• Experience delivering regulatory, operational and strategic change initiatives.
• Ability to interpret product performance data and customer insights to drive continuous improvement.
• Experience working collaboratively with Risk, Compliance, Credit and operational teams.

Desirable Skills/Experience:

• Experience managing third-party suppliers and technology partners.
• Knowledge of digital transformation, workflow optimisation and automation initiatives.
• Experience supporting Training & Competence (T&C) activities within a regulated environment.
• Subject matter expertise in mortgage and regulated lending products.

Core Responsibilities:

• Own the strategic roadmap for mortgage and regulated lending products and associated customer journeys.
• Lead the design, enhancement and optimisation of lending propositions, processes and digital capabilities.
• Ensure lending products deliver fair value, positive customer outcomes and appropriate customer support throughout the product lifecycle.
• Drive regulatory, operational and strategic change initiatives through effective governance and agile delivery frameworks.
• Oversee product governance activities, including product approvals, product reviews, pricing changes, policy alignment and product withdrawals.
• Monitor product performance through management information, customer insight, operational metrics, complaints data and commercial performance measures.
• Partner with Credit Risk, underwriting and operational teams to align lending policy, risk appetite and customer experience.
• Support the optimisation of onboarding, affordability assessment, servicing, retention and collections processes.
• Ensure operational processes and supporting systems remain robust, scalable and compliant with regulatory expectations.
• Manage relationships with third-party providers and technology partners supporting the lending proposition.
• Contribute to digital and technology initiatives, including automation, workflow optimisation and enhanced customer self-service capabilities.
• Maintain oversight of Training & Competence (T&C) arrangements relevant to regulated lending activities.
• Work closely with Compliance, Risk and operational leadership teams to support quality assurance, coaching and continuous improvement initiatives.
• Monitor customer outcomes, complaints trends, conduct and regulatory developments to identify opportunities for enhancement.
• Act as the senior subject matter expert for mortgage and regulated lending products across regulatory, operational and customer-focused disciplines.

Benefits:

• Highly competitive salary.
• Comprehensive benefits package.

Job reference: 16560

To apply for this vacancy applicants must be eligible to work in the UK in accordance with the Immigration, Asylum and Nationality Act 2006.

At Core-Asset, we're committed to protecting and respecting your privacy. Our privacy statement explains when and why we collect personal information about people who engage with our services, how we use it, the conditions under which we may disclose it to others, and how we keep it secure. We may change this policy from time to time, so please check this policy occasionally to ensure that you're happy with any changes.

By engaging with us (either by applying for a job we're advertising, registering through our website, or getting in touch with our business) you're agreeing to be bound by this policy.

Core-Asset Consulting is committed to protecting the privacy of our candidates, clients and website users. For further information, please refer to our full Privacy Statement available on our website http://www.core-asset.co.uk/about-core-asset/privacy-statement

Core-Asset Consulting offers specialist recruitment services to asset management, accounting & finance, asset servicing, legal and the wider financial services sector in Scotland.

INDPERM

Core-Asset Consulting is an equal opportunities recruiter and we welcome applications from everyone irrespective of age, disability, gender, gender identity or expression, race, colour, ethnic or national origin, sexual orientation, religion or belief, marital/civil partner status or pregnancy.

To apply for this vacancy applicants must be eligible to work in the UK in accordance with the Immigration, Asylum and Nationality Act 2006.

At Core-Asset, we're committed to protecting and respecting your privacy. Our privacy statement explains when and why we collect personal information about people who engage with our services, how we use it, the conditions under which we may disclose it to others, and how we keep it secure. We may change this policy from time to time, so please check this policy occasionally to ensure that you're happy with any changes.

By engaging with us (either by applying for a job we're advertising, registering through our website, or getting in touch with our business) you're agreeing to be bound by this policy.

Core-Asset Consulting is committed to protecting the privacy of our candidates, clients and website users. For further information, please refer to our full Privacy Statement available on our website http://www.core-asset.co.uk/about-core-asset/privacy-statement

Core-Asset Consulting offers specialist recruitment services to asset management, accounting & finance, asset servicing, legal and the wider financial services sector in Scotland.