We’re looking for a senior leader to take full accountability for the performance of our Residential mortgage business.
This is a general manager style role: responsible for setting direction, making commercial and customer trade offs, and ensuring delivery across the end to end Residential mortgage lifecycle. You will shape where and how we compete in the market, balance growth and sustainability, and ensure strong, fair outcomes for our members.
You’ll be accountable for Residential market participation, product and pricing strategy, customer outcomes, balance sheet performance and operational delivery. While the role works through senior colleagues in Distribution, Credit Risk, Pricing and Operations, accountability for outcomes is clear and sits firmly with this position.
This is a high‑impact leadership role for someone who enjoys ownership, judgement and delivery at scale.
About The Role
* Running the Residential mortgage business as a complete commercial and customer proposition – not just a product set.
* Making deliberate choices about where we participate across first time buyers, home movers, re‑mortgage and retention, and where we choose not to.
* Balancing growth, margin, capital, risk appetite and Consumer Duty in live decision making.
* Translating strategy into execution across a complex, regulated operating environment.
* Providing visible senior leadership across the Homes business and externally with key stakeholders.
Key accountabilities
* Set and lead the Residential mortgage strategy, including market participation, propositions, pricing and retention.
* Own overall performance, including commercial outcomes, customer experience, and sustainable balance sheet returns.
* Lead cross‑functional delivery across Distribution, Credit Risk and Operations, ensuring propositions are executed effectively from origination through to servicing.
* Embed high standards of governance, risk management and Consumer Duty, ensuring customer outcomes are central to decisions.
* Lead, develop and inspire senior leaders, building a high‑performing, inclusive and accountable culture.
About you
* A senior leader with clear ownership for both commercial and customer outcomes, comfortable carrying end‑to‑end accountability.
* Deep experience in Residential mortgage lending, with strong understanding of pricing, propositions, distribution and retention.
* Proven judgement in balancing growth, risk, regulation and long term value.
* A credible leader in regulated environments, confident embedding Consumer Duty into everyday decision making.
* An experienced change leader, able to turn strategy into delivery through influence and collaboration.
About us
At YBS we don’t have shareholders, we have members. We care about people and that includes you. So here, you’ll be respected for who you are, you’ll be able to bring your whole self to work, and you’ll have everything you need to build a long and rewarding career.
Flexibility.
We offer a range of flexible working options without unsocial hours, which can help you find a healthy work-life balance. Whether it’s finishing early for an appointment or fitting your studies and hobbies in around your working hours, we can help make it work for you. We’re happy to talk flexible working and you can reach out to us anytime to discuss this during the recruitment process.
Development.
We want you to feel challenged here. Whatever your ambitions, we’re committed to helping you develop your skills and move ahead in your career journey. From day one, we’ll set you up for success with a brilliant induction and full training plan, all designed to get you up to speed quickly.
Inclusivity.
We’re passionate about creating an inclusive environment where everyone is welcome and able to be themselves. If you’ll go the extra mile to help our members, you’ll fit right in and feel you belong here.
About our Benefits
We offer lots of fantastic rewards that you can make the most of in and out of work, including:
* Holiday. You’ll get 25 days plus Bank Holidays, as well as the option to buy up to a further 5 days.
* Bonus. At YBS we work collaboratively and share in our success together, so when we reach our goals were all rewarded with an on target bonus of 7% of eligible pay (with the opportunity to earn up to a maximum 15%).
* Pension. We know how important it is to save towards the future, that’s why we’ll contribute up 11% into your YBS pension.
* Healthcare. Health and wellbeing are an important part of life at YBS, when you join us you’ll have access to a range of health benefits to suit your life including private medical insurance, dental and healthcare plans.
* My Benefits. When you join YBS you’ll have access to our self‑service benefits portal, where you can access a range of retail, hospitality and health discounts.
Ready to apply?
If you’re excited about this role and want to be part of the YBS team, click apply now to send us your application.
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