Senior Product Owner: Lending

JOB PURPOSE

The Senior Product Owner for Lending Products is responsible for the strategic ownership, development, governance and continuous improvement of the Bank’s non‑regulated lending propositions, including commercial lending, bespoke lending solutions and associate client journeys. The role ensures products deliver strong client outcomes, operate efficiently, manage risk effectively, and achieve sustainable commercial performance across their full lifecycle.

Operating within a regulated environment, the role is responsible for compliance with all relevant regulatory and governance requirements, including Consumer Duty, financial crime, and risk frameworks. Working cross-functionally, the Senior Product Owner translates strategic goals into clear product roadmaps, process enhancements, and scalable lending capabilities aligned to the Bank’s growth objectives.

KEY RESPONSIBILITIES

• Lead the development, enhancement and optimisation of lending propositions, operational processes, and digital capabilities.
• Ensure lending products remain competitive and commercially viable, operationally efficient and aligned to client and intermediary needs.
• Drive delivery of strategic, regulatory and technology change initiatives through RUN and Change projects through the appropriate governance frameworks.
• Oversee product governance activities including product approvals, product reviews, pricing changes, policy alignment and product withdrawal considerations.
• Monitor product performance through MI, client insight, pipeline performance, utilisation trends, complaints data, operational metrics and commercial performance measures.
• Partner closely with Credit Risk to ensure alignment between product design, underwriting appetite, portfolio performance, and operational execution.
• Support optimisation of onboarding, credit assessment, fulfilment, servicing and client management journeys to improve efficiency and client experience.
• Ensure supporting operational processes and controls, and systems remain robust, scalable, resilient and aligned to regulatory risk expectations.
• Manage relationships with third party providers, intermediaries, technology partners, legal suppliers, and operational vendors supporting lending activities.
• Support the Bank’s digital agenda through workflow optimisation, automation, data led decision making, and enhanced client servicing capability.
• Maintain training and competence (T&C) arrangements relevant to lending activities, ensuring colleagues involved in lending journeys maintain appropriate knowledge, capability and understanding of products, policy, conduct expectations and operational processes. 
• Work in partnership with Compliance, Risk and operational leadership teams to support effective T&C frameworks, quality assurance activity, coaching outcomes and continuous improvement initiatives.
• Monitor conduct indicators, client outcomes, quality assurance findings, complaint trends, and operational risk events and identify training needs and drive improvements in colleague capability and client experience.
• Act as a senior subject matter expert for lending products across commercial, operational, conduct, client and governance.

REQUIRED QUALIFICATIONS, KNOWLEDGE & SKILLS

• Requires strong commercial awareness, regulatory understanding, and stakeholder management capability.
• Experience operating within lending environments is essential.
• Ability to balance client outcomes, risk management, and operational effectiveness.
• Ensures colleague competence while supporting delivery across teams.
• Aligns delivery with strategic growth objectives.
• Influences and collaborates effectively across multidisciplinary teams.

About us

At Hampden Bank, we provide private banking as it should be: approachable, accessible expertise delivered through loyal, long-lasting client relationships. Personalised service is at the core of our business, with a culture that is built on relationships. We take the time to get to know our clients to help them achieve their aspirations.

Why join us

As a growing and ambitious company, we seek people to join our team who share our values; Proud Ownership, Absolute Integrity, Total Inclusivity, Winning Teamwork and Purposeful Growth. 

We are committed to an inclusive culture where everyone is comfortable to be their authentic self. We recognise, value and respect diverse cultures, knowledge, and identities. We work together to ensure collaboration, development, and success for everyone, supporting them to thrive and reach their potential.

We offer exciting career opportunities through professional and personal development, and have an extensive range of benefits you can enjoy.

To apply

Please submit your CV by the closing date. Please remember, on occasion we do receive more applications than expected we may bring the closing date forward, so please do apply promptly.

If you require reasonable adjustments to be made during the recruitment process, please let us know by contacting the People Team and we will endeavour assist you.

If you are excited about this opportunity and think you can bring value to the role and Hampden Bank, but your experience does not align perfectly with every aspect of what we are looking for, we would be happy to hear from you.

If you have any questions or are interested in learning more about the role, please contact the People Team and we will get back to you as soon as possible.

Hybrid working / flexible working

We support hybrid working and our policy is that colleagues spend at least 60% of their working week in the office to connect and collaborate with their colleagues.

We are open to considering requests from candidates who are looking for flexible arrangements. Please talk to us at interview about the flexibility you are looking for, and we will explore what is possible for the role. We cannot promise to meet every request, but we will not judge you for asking.