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About the Role
Play a key role in delivering strategic change across Cynergy Bank's regulated mortgage proposition. Improve customer journeys, enhance operational processes, and support business-critical transformation initiatives.
Responsibilities
- Act as the subject matter expert for mortgage customer journeys and regulated mortgage processes.
- Analyze, document, and improve current and future-state processes across the end-to-end mortgage lifecycle.
- Partner with business and technology stakeholders to define business requirements and effective change solutions.
- Support mortgage transformation, remediation, and regulatory change initiatives.
- Ensure solutions align with FCA requirements, Consumer Duty expectations, and internal mortgage policies.
- Produce high-quality business requirements, process maps, user stories, and acceptance criteria.
- Support UAT, implementation activities, and post-go-live readiness.
- Identify opportunities to improve customer outcomes, operational efficiency, and risk management.
Requirements
- Significant Business Analyst experience within a UK regulated mortgage environment.
- Strong understanding of the complete residential mortgage lifecycle, including origination, application processing, underwriting, offer and completion, servicing, product transfers, and redemptions.
- Experience delivering change initiatives within a mortgage lender, building society, or mortgage servicing organization.
- Strong knowledge of FCA mortgage regulation, MCOB requirements, and Consumer Duty.
- Experience mapping, analyzing, and improving mortgage customer journeys.
- Proven ability to manage stakeholders across Operations, Risk, Compliance, Technology, and Front Office teams.
- Strong requirements gathering, business process mapping, and business analysis skills.
- Experience supporting mortgage transformation, remediation, or regulatory programmes (desirable).
- Experience working with mortgage origination or servicing platforms (desirable).
- BCS, IIBA, or equivalent Business Analysis qualification (desirable).
- Substantial hands-on mortgage expertise and a strong understanding of the end-to-end residential mortgage lifecycle.
- Direct UK regulated mortgage experience is essential.
Skills
- Business Analysis
- Mortgage Lifecycle Management
- FCA Regulation
- Consumer Duty
- MCOB Requirements
- Stakeholder Management
- Requirements Gathering
- Business Process Mapping
- User Story Creation
- Acceptance Criteria Definition
- UAT Support
- Risk Management
Location
- London, UK
Work Type
- Hybrid
- Fixed-term Contract
Experience Level
- Experienced
Education Level
- BCS, IIBA or equivalent Business Analysis qualification (desirable)
Salary/Compensations
- Up to £80,000 per annum (pro rata)
Benefits
- Comprehensive benefits package
- Wellbeing initiatives
- Annual leave
- Pension contributions
- Learning and development opportunities
- Additional benefits designed to support you personally and professionally
About the Company
- Cynergy Bank is the UK's human digital bank, combining personal service with smart technology to support ambitious individuals and businesses.
- Committed to delivering exceptional customer experiences, innovative solutions, and sustainable growth.
- Values include putting the customer first, risk front and centre, innovation, inclusion, and doing the right thing.
Equal Opportunity
- At Cynergy Bank, we use anonymous screening at the first stage of recruitment, ensuring every application is reviewed fairly, based on skills and experience alone.