What you'll be doing
This isn't a role where you'll simply maintain an existing product set. You'll have the opportunity to get under the skin of our lending proposition, influence its commercial performance and help determine where we go next.
You'll:
Shape and develop our lending proposition, identifying opportunities to improve existing products and support sustainable growth.
Own pricing and margin, balancing competitiveness, customer outcomes, risk and commercial return.
Manage lending products across the full product lifecycle, from proposition development and business case through to implementation, performance and optimisation.
Use portfolio, customer, competitor and market insight to spot opportunities and turn them into clear commercial recommendations.
Develop strong business cases for new products and product changes.
Work closely with Credit, Risk, Operations and senior stakeholders to turn ideas into commercially viable lending solutions.
Monitor product performance against clear KPIs and take action where opportunities or issues emerge.
Keep close to developments across the SME and commercial lending market, bringing fresh thinking and external insight into the business.
What we're looking for
We're deliberately looking for lending depth, not simply general product management experience.
You'll ideally bring:
Strong SME lending experience
Strong secured real estate lending experience
Demonstrable experience of pricing and margin ownership
Strong commercial judgement and a solid understanding of lending economics
Experience using data and insight to inform product and pricing decisions
The ability to work effectively across Product, Credit, Risk and Operations
Confidence influencing, challenging and working with senior stakeholders
Even better if you have:
Club and/or syndicated lending experience
Cash-flow lending experience
You don't need to tick every desirable box. If you've built genuine expertise in SME and secured lending and can demonstrate strong commercial product ownership, we'd like to hear from you.
Why Cynergy Bank?
You'll join a business where you can bring ideas, challenge thinking and make a visible contribution. Alongside a competitive salary, you'll enjoy generous annual leave, your birthday off and hybrid working, as well as access to a wider range of benefits including pension, wellbeing support, lifestyle discounts and colleague recognition schemes.
The essentials
Salary: £75,000–£85,000 depending on experience
Location: London
Working pattern: Hybrid, with 3 days in the office and 2 days from home
Start: Immediate. We're particularly keen to hear from candidates available now or able to join at short notice
Contract: Initial 9-month fixed-term contract, with potential to extend depending on business requirements