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About the Role

The Product & Proposition Manager is the accountable business lead responsible for taking products and propositions from concept through to successful customer and technical implementation. This role leads and coordinates cross-functional delivery efforts, ensuring all teams understand their responsibilities and deliver to agreed requirements and timescales. The role drives the organization collectively towards successful launch and ongoing performance, aligning with the Bank’s customer and relationship-focused ambition and values.

Responsibilities

Lead the end-to-end development and delivery of lending propositions for lending markets, from concept through to launch, ensuring alignment with market trends, customer needs, and business objectives.
Collaborate with key stakeholders to influence and support the product & proposition agenda, including criteria, policy, concentrations, capital markets, product proposals, implementation, customer journeys, online tools, capacity/service, and commercial returns.
Agree and deliver enhancements to lending propositions, providing solutions that address the specific needs of the Bank’s target market.
Lead detailed market research and competitor analysis to identify opportunities for new products and enhancements to existing propositions in the unregulated space, using insights to shape product strategy and positioning.
Ensure competitor analysis is kept up-to-date to ensure GB Bank is priced competitively within relevant sectors.
Input and coordinate the assessment of proposed pricing into the pricing model to ensure they meet required financial parameters.
Develop and execute go-to-market strategies for new and enhanced products, including pricing and positioning.
Create and present Governance papers and progress/performance updates regarding Buy to Let & Bridging sectors to senior stakeholders at key forums.
Engage and involve mortgage intermediaries, networks, clubs, and packagers, along with the sales team, regularly to ensure their input and advice is incorporated into products, criteria, objective achievement, and overall customer proposition.
Assist in the development of new strategic relationships.
Monitor mortgage range and intermediary performance quality (e.g., conversion rates, loan delinquency) with the MD, CFO, and CRO.
Lead the complete product and proposition lifecycle from initial idea and customer need through business case, design, approval, build, testing, operational readiness, launch, implementation, and post-launch reviews including optimization.
Act as the central lead for product delivery, bringing together and driving all required functions to deliver agreed product outcomes.
Establish clear responsibilities, dependencies, deliverables, and timescales, and actively challenge slippage or barriers to delivery.
Translate the proposition into clear business, customer, operational, and technical requirements, working closely with Technology and Change teams to ensure systems, integrations, workflows, and controls support the intended proposition.
Define and coordinate data and MI requirements for new and changed products, including source data, product identification, accounting and regulatory reporting requirements, customer outcomes, performance monitoring, and downstream reporting.
Ensure requirements are agreed with relevant data owners before implementation.
Create and maintain the overall product delivery plan and ensure Credit, Risk, Compliance, Legal, Finance, Technology, Operations, Marketing, and Customer Experience are engaged at appropriate stages.
Drive the process rather than rely on individual functions to coordinate themselves.
Lead products through the Bank's governance and approval framework, ensuring appropriate product assessments, risk assessments, Consumer Duty considerations, financial analysis, operational readiness, and senior management or committee approvals are completed before launch.
Maintain accountability throughout the product lifecycle, including periodic product reviews, material changes, remediation, and, where appropriate, product withdrawal or migration.
Ensure material changes to approved product design, pricing, fees, criteria, distribution, customer journey, or operating model are identified, impact-assessed, and returned through appropriate governance before implementation where required.
Ensure products are designed, distributed, and managed with appropriate consideration of applicable UK regulatory requirements, including Consumer Duty, product governance, and the needs and characteristics of the identified target market.

Requirements

Excellent written and spoken communication skills; ability to communicate with impact, ensuring complex information is articulated in a meaningful way to wide and varied audiences.
Customer-focused and experienced Product & Proposition professional with previous experience in the Buy to Let and/or bridging lending environment.
Knowledge of product management, core lending, and financial analysis skills.
Strong customer focus aligned to the vision and values of the bank.
Proven strong stakeholder management and collaboration skills.
Flexible approach, rational when faced with changing priorities in a dynamic environment.

Skills

Product Management
Core Lending
Financial Analysis
Stakeholder Management
Collaboration
Mortgages
Bridging Finance

Location

Mayfair, London

Work Type

4+ days in the office
35 Hours per week

Experience Level

Experienced Product & Proposition professional

Salary/Compensations

Competitive

Benefits

8% company pension contribution and 3% individual contribution
25 days holiday plus bank holidays
Private medical cover with BUPA
Death in service at 4 x base salary with Aviva
Mental health support - through a helpline and counselling sessions
Enhanced maternity, paternity and adoption leave

About the Company

One of the UK’s fastest growing and award-winning banks.
A team of ambitious, passionate, hardworking, and committed people who have successfully created and launched one of the UK’s newest specialist property finance banks.
GB Bank believes that career progression should not only be achievable but accelerated, enabling employees to reach their potential in a supportive and dynamic atmosphere.
The environment is fast-paced and collaborative, where efforts are recognised, rewarded, and make a tangible impact.
Pride in fostering an open and inclusive culture that embraces change and encourages continuous learning and professional development.
Value privacy and data protection rights.
Have a longstanding data protection culture and promote robust ethical standards in data management.

Equal Opportunity

We are an equal opportunities employer and positively encourage applications from suitably qualified and eligible candidates, regardless of their age, sex, race, disability, sexual orientation, gender reassignment, religion or belief, marital/civil partnership status, or pregnancy and maternity.