Job Title: Lead Commercial Manager – Mortgages
Contract Type: Permanent
Location: Bradford
Working Pattern: Hybrid (usually a couple of days a week in the office). We welcome part-time and flexible arrangements and will aim to match your current flexibility where possible.
What We Offer
* Holidays: 25 days (rising to 30) + buy/sell up to 5 days + swap up to 4 bank holidays.
* Pension: Up to 10% employer contribution.
* Family Leave: Enhanced maternity and 4 weeks’ paternity from day-one, shared parental leave, paid neonatal care leave and support for adoption and surrogacy
* Fertility Support: Paid time off for fertility treatment and appointments, available to birth parents and partners, with confidential support and flexible adjustments where needed
* Workations: Work abroad for up to 20 days a year in approved countries.
* Birthday Leave: Your birthday off—paid.
* Volunteering: 2 paid volunteering days.
* Learning: Access to Learning for all colleagues.
* Financial Wellbeing: Free Snoop Premium subscription.
* Healthcare: Self-pay Denplan & optional Private Medical Insurance.
The Role
You and your Team: Reporting to the Senior Manager Mortgages & Specialist Portfolios, as the Lead Commercial Manager you will support the management of the Second Charge Mortgage (2CM) portfolio, helping to deliver strong commercial returns.
The role will support the transition to warehouseled data structures by developing clear, executive-level reporting and strengthening portfolio oversight. You will work closely with external origination and servicing partners and collaborate with senior internal stakeholders across Treasury, Finance, Risk, Legal and Customer teams.
Responsibilities
* Enhancing the developing oversight framework for our mortgage portfolio, understanding, managing and influencing the key drivers of the 2CM product and portfolio performance.
* Delivery of trading information and narrative to support interactions up to/with ExCo level.
* Establishing and maintaining strong relationships across the business, ensuring continued suitability of 2CM outputs.
* Managing relationships with external lending partners to deliver optimal returns for the Group.
* Becoming key business contact with data partners as 2CM product transitions to a data warehouse.
* Regular product assessments to identify opportunities to drive commercial value and continuous improvement
* Deputising for the Senior Manager in relevant committees / forums as required
What We’re Looking For
* Experience of mortgage lending and the key drivers to deliver sustainable profits.
* Proven track record in commercial / product and pricing strategy in FS.
* Strong knowledge of lending products and market dynamics.
* Understanding of regulatory, legislative and compliance requirements in the UK FS sector.
* Coding knowledge desirable, SQL preferred but other languages beneficial
Equal Opportunities
Vanquis Bank is an Equal Opportunity Employer. We value everyone’s unique background, identity and experience, and we’re committed to a workplace where all colleagues can thrive. If you need any adjustments or support during the recruitment process, please contact @email and we’ll be happy to help.
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