Senior Product Owner: Mortgages & Regulated Lending

The Senior Product Owner for Mortgages & Regulated Lending is responsible for the strategic ownership, development, governance and continuous improvement of the Bank’s mortgage and regulated lending propositions, including regulated lending products and associate client journeys. The role ensures products and services deliver strong client outcomes, regulatory compliance, operational efficiency and sustainable commercial performance across the full product design lifecycle. Operating within a regulated banking environment, the role ensures adherence to all applicable regulatory obligations, including MCOB, Consumer Duty affordability and vulnerability expectations, training and competence (T&C) requirements, financial crime obligations, complaints handling standards and conduct 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. Own the strategic roadmap for mortgage and regulated lending products and associated client journeys. Lead the design enhancement and optimisation of lending propositions, processes and digital capabilities. Drive delivery of regulatory, operational and strategic change initiatives through agile and governance frameworks. Oversee product governance activities including new product approvals, product reviews, pricing changes, policy alignment and product withdrawal considerations. Monitor product performance through MI, customer insight, arrears trends, complaints data, conduct indicators, operational metrics, and commercial performance measures. Partner with Credit Risk and underwriting to ensure alignment between risk appetite, lending policy, operational execution and customer experience. Support optimisation of onboarding, affordability assessment, servicing, retention, and collections processes to improve efficiency and client outcomes.  Ensure operational processes and supporting systems remain robust, scalable, resilient and compliant with regulatory expectations. Manage relationships with third party providers, intermediaries, valuation partners, legal suppliers and technology vendors supporting the lending proposition. Support the Bank’s technology and digital agenda through automation, workflow optimisation, and improved client self service capability. Maintain oversight of Training and Competence (T&C) arrangements relevant to regulated lending activities, ensuring colleagues operating within mortgage and lending journeys maintain appropriate accreditation and regulatory competence.  Work in partnership with Compliance, Risk and operational leadership teams to effectively support T&C frameworks, quality assurance activity, coaching outcomes and continuous improvement initiatives.  Monitor conduct, client outcomes, quality assurance findings, complaints trends and regulatory developments to identify training needs and drive enhancements to colleague capability and client experience. Act as a senior subject matter expert for mortgage and regulated lending products across regulatory, operational, conduct, customer and competency dimensions. Requires strong commercial awareness, regulatory understanding, and stakeholder management capability. Ability to balance client outcomes, risk management, and operational effectiveness. 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. 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. 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.