A leading fintech organization in Greater London seeks a Head of Finance, Planning & Analysis. This strategic role requires a candidate with over 10 years of experience, capable of building relationships with senior leadership and driving financial strategy. Responsibilities include leading performance analysis, managing financial frameworks, and collaborating on new business opportunities. The position offers equity, 25 days holiday, and personalized benefits including private medical insurance.
Feb 27, 2026
Full time
A leading fintech organization in Greater London seeks a Head of Finance, Planning & Analysis. This strategic role requires a candidate with over 10 years of experience, capable of building relationships with senior leadership and driving financial strategy. Responsibilities include leading performance analysis, managing financial frameworks, and collaborating on new business opportunities. The position offers equity, 25 days holiday, and personalized benefits including private medical insurance.
A leading bank is looking for a Real Estate Director in Birmingham to originate high-quality deals while maintaining credit discipline. This role offers autonomy in decision-making, focusing on fostering relationships and driving business growth in the Real Estate sector. The ideal candidate will have strong financial analysis skills and experience in credit processes, along with a degree in finance or commerce.
Feb 27, 2026
Full time
A leading bank is looking for a Real Estate Director in Birmingham to originate high-quality deals while maintaining credit discipline. This role offers autonomy in decision-making, focusing on fostering relationships and driving business growth in the Real Estate sector. The ideal candidate will have strong financial analysis skills and experience in credit processes, along with a degree in finance or commerce.
At OakNorth, we're on a mission to empower the UK's most ambitious businesses. Since 2015, we've lent over $18 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers - all while fuelling the UK economy. This is an exciting opportunity to join a dynamic, fast-growing bank known for challenging the status quo. We're not looking for just another cog in the wheel - we want bold thinkers and proactive self-starters who are eager to shape their own careers and support the UK's most driven business leaders. The Director's mission is to independently originate high-quality new deals that align with OakNorth's focus on supporting ambitious entrepreneurs and profitable, growing businesses across the North of England. This role involves taking full end-to-end ownership, with a strong emphasis on maintaining credit discipline and ensuring customer delight. Play a key role in embracing / living OakNorth's entrepreneurial attitude. You Will: Originate, structure, execute transactions that meet the lending requirements of OakNorth Manage and further develop existing customer relationships, along with identifying new relationships and opportunities in the market Work as part of a team on the execution of corporate finance / real estate / property / trading business transactions Build the profile of Bank in the external market with, for example SMEs, KBIs, Advisors and Private Equity firms Assess appropriate organic and inorganic growth opportunities for OakNorth Bank in the market Spread financial accounts and financial modelling Analyse financial accounts and manage information and prepare credit memorandums Analyse financial models including forecasted cash flows and sensitivities to assess debt capacity and repayment Ensure transaction are documented in accordance with credit approved terms and credit sanctions Meet team and individual targets including profit, credit quality, new customers, retention and customer satisfaction Have an overview of ongoing relationship management and client experience Drive innovation in the product proposition to improve customer experience levels whilst maintaining asset quality Ensure high level of customer experience at all times Meet team and individual targets set by OakNorth ExCo, CEO and the Board Structure transactions appropriately, and prove full credit reports to sanctioning authority Maintain close relationships with customers and reporting to Credit in line with policy, in a timely manner Act in accordance with OakNorth Bank's values at all times You Have: In depth understanding and network of SME lending, Operational Real Estate and the Healthcare market within the North of England Excellent communication and customer facing skills Good understanding of business processes, strategy and credit policies Strong credit, financial analysis and modelling skills, including the ability to write good quality, structured credit papers Experience in the analysis of senior, stretched senior and mezzanine cashflow unsecured transactions Legal documentation skills Experience in presenting credit case internally to a credit committee Strong problem solving ability Degree in Finance / Commerce or equivalent About Us: We're OakNorth Bank and we embolden entrepreneurs to realise their ambitions, understand their markets, and apply data intelligence to everyday decisions to scale successfully at pace.
Feb 27, 2026
Full time
At OakNorth, we're on a mission to empower the UK's most ambitious businesses. Since 2015, we've lent over $18 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers - all while fuelling the UK economy. This is an exciting opportunity to join a dynamic, fast-growing bank known for challenging the status quo. We're not looking for just another cog in the wheel - we want bold thinkers and proactive self-starters who are eager to shape their own careers and support the UK's most driven business leaders. The Director's mission is to independently originate high-quality new deals that align with OakNorth's focus on supporting ambitious entrepreneurs and profitable, growing businesses across the North of England. This role involves taking full end-to-end ownership, with a strong emphasis on maintaining credit discipline and ensuring customer delight. Play a key role in embracing / living OakNorth's entrepreneurial attitude. You Will: Originate, structure, execute transactions that meet the lending requirements of OakNorth Manage and further develop existing customer relationships, along with identifying new relationships and opportunities in the market Work as part of a team on the execution of corporate finance / real estate / property / trading business transactions Build the profile of Bank in the external market with, for example SMEs, KBIs, Advisors and Private Equity firms Assess appropriate organic and inorganic growth opportunities for OakNorth Bank in the market Spread financial accounts and financial modelling Analyse financial accounts and manage information and prepare credit memorandums Analyse financial models including forecasted cash flows and sensitivities to assess debt capacity and repayment Ensure transaction are documented in accordance with credit approved terms and credit sanctions Meet team and individual targets including profit, credit quality, new customers, retention and customer satisfaction Have an overview of ongoing relationship management and client experience Drive innovation in the product proposition to improve customer experience levels whilst maintaining asset quality Ensure high level of customer experience at all times Meet team and individual targets set by OakNorth ExCo, CEO and the Board Structure transactions appropriately, and prove full credit reports to sanctioning authority Maintain close relationships with customers and reporting to Credit in line with policy, in a timely manner Act in accordance with OakNorth Bank's values at all times You Have: In depth understanding and network of SME lending, Operational Real Estate and the Healthcare market within the North of England Excellent communication and customer facing skills Good understanding of business processes, strategy and credit policies Strong credit, financial analysis and modelling skills, including the ability to write good quality, structured credit papers Experience in the analysis of senior, stretched senior and mezzanine cashflow unsecured transactions Legal documentation skills Experience in presenting credit case internally to a credit committee Strong problem solving ability Degree in Finance / Commerce or equivalent About Us: We're OakNorth Bank and we embolden entrepreneurs to realise their ambitions, understand their markets, and apply data intelligence to everyday decisions to scale successfully at pace.
At OakNorth, we're on a mission to empower the UK's most ambitious businesses. Since 2015, we've lent over $18 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers - all while fuelling the UK economy. This is an exciting opportunity to join a dynamic, fast-growing bank known for challenging the status quo. We're not looking for just another cog in the wheel - we want bold thinkers and proactive self-starters who are eager to shape their own careers and support the UK's most driven business leaders. The Director's mission is to independently originate high-quality new deals that align with OakNorth's focus on supporting ambitious entrepreneurs and profitable, growing businesses across the North of England. This role involves taking full end-to-end ownership, with a strong emphasis on maintaining credit discipline and ensuring customer delight. Play a key role in embracing / living OakNorth's entrepreneurial attitude. You Will: Originate, structure, execute transactions that meet the lending requirements of OakNorth Manage and further develop existing customer relationships, along with identifying new relationships and opportunities in the market Work as part of a team on the execution of corporate finance / real estate / property / trading business transactions Build the profile of Bank in the external market with, for example SMEs, KBIs, Advisors and Private Equity firms Assess appropriate organic and inorganic growth opportunities for OakNorth Bank in the market Spread financial accounts and financial modelling Analyse financial accounts and manage information and prepare credit memorandums Analyse financial models including forecasted cash flows and sensitivities to assess debt capacity and repayment Ensure transaction are documented in accordance with credit approved terms and credit sanctions Meet team and individual targets including profit, credit quality, new customers, retention and customer satisfaction Have an overview of ongoing relationship management and client experience Drive innovation in the product proposition to improve customer experience levels whilst maintaining asset quality Ensure high level of customer experience at all times Meet team and individual targets set by OakNorth ExCo, CEO and the Board Structure transactions appropriately, and prove full credit reports to sanctioning authority Maintain close relationships with customers and reporting to Credit in line with policy, in a timely manner Act in accordance with OakNorth Bank's values at all times You Have: In depth understanding and network of SME lending, Operational Real Estate and the Healthcare market within the North of England Excellent communication and customer facing skills Good understanding of business processes, strategy and credit policies Strong credit, financial analysis and modelling skills, including the ability to write good quality, structured credit papers Experience in the analysis of senior, stretched senior and mezzanine cashflow unsecured transactions Legal documentation skills Experience in presenting credit case internally to a credit committee Strong problem solving ability Degree in Finance / Commerce or equivalent About Us: We're OakNorth Bank and we embolden entrepreneurs to realise their ambitions, understand their markets, and apply data intelligence to everyday decisions to scale successfully at pace.
Feb 27, 2026
Full time
At OakNorth, we're on a mission to empower the UK's most ambitious businesses. Since 2015, we've lent over $18 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers - all while fuelling the UK economy. This is an exciting opportunity to join a dynamic, fast-growing bank known for challenging the status quo. We're not looking for just another cog in the wheel - we want bold thinkers and proactive self-starters who are eager to shape their own careers and support the UK's most driven business leaders. The Director's mission is to independently originate high-quality new deals that align with OakNorth's focus on supporting ambitious entrepreneurs and profitable, growing businesses across the North of England. This role involves taking full end-to-end ownership, with a strong emphasis on maintaining credit discipline and ensuring customer delight. Play a key role in embracing / living OakNorth's entrepreneurial attitude. You Will: Originate, structure, execute transactions that meet the lending requirements of OakNorth Manage and further develop existing customer relationships, along with identifying new relationships and opportunities in the market Work as part of a team on the execution of corporate finance / real estate / property / trading business transactions Build the profile of Bank in the external market with, for example SMEs, KBIs, Advisors and Private Equity firms Assess appropriate organic and inorganic growth opportunities for OakNorth Bank in the market Spread financial accounts and financial modelling Analyse financial accounts and manage information and prepare credit memorandums Analyse financial models including forecasted cash flows and sensitivities to assess debt capacity and repayment Ensure transaction are documented in accordance with credit approved terms and credit sanctions Meet team and individual targets including profit, credit quality, new customers, retention and customer satisfaction Have an overview of ongoing relationship management and client experience Drive innovation in the product proposition to improve customer experience levels whilst maintaining asset quality Ensure high level of customer experience at all times Meet team and individual targets set by OakNorth ExCo, CEO and the Board Structure transactions appropriately, and prove full credit reports to sanctioning authority Maintain close relationships with customers and reporting to Credit in line with policy, in a timely manner Act in accordance with OakNorth Bank's values at all times You Have: In depth understanding and network of SME lending, Operational Real Estate and the Healthcare market within the North of England Excellent communication and customer facing skills Good understanding of business processes, strategy and credit policies Strong credit, financial analysis and modelling skills, including the ability to write good quality, structured credit papers Experience in the analysis of senior, stretched senior and mezzanine cashflow unsecured transactions Legal documentation skills Experience in presenting credit case internally to a credit committee Strong problem solving ability Degree in Finance / Commerce or equivalent About Us: We're OakNorth Bank and we embolden entrepreneurs to realise their ambitions, understand their markets, and apply data intelligence to everyday decisions to scale successfully at pace.
At OakNorth, we're on a mission to empower the UK's most ambitious businesses. Since 2015, we've lent over $18 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers - all while fuelling the UK economy. This is an exciting opportunity to join a dynamic, fast-growing bank known for challenging the status quo. We're not looking for just another cog in the wheel - we want bold thinkers and proactive self-starters who are eager to shape their own careers and support the UK's most driven business leaders. The Director's mission is to independently originate high-quality new deals that align with OakNorth's focus on supporting ambitious entrepreneurs and profitable, growing businesses across the North of England. This role involves taking full end-to-end ownership, with a strong emphasis on maintaining credit discipline and ensuring customer delight. Play a key role in embracing / living OakNorth's entrepreneurial attitude. You Will: Originate, structure, execute transactions that meet the lending requirements of OakNorth Manage and further develop existing customer relationships, along with identifying new relationships and opportunities in the market Work as part of a team on the execution of corporate finance / real estate / property / trading business transactions Build the profile of Bank in the external market with, for example SMEs, KBIs, Advisors and Private Equity firms Assess appropriate organic and inorganic growth opportunities for OakNorth Bank in the market Spread financial accounts and financial modelling Analyse financial accounts and manage information and prepare credit memorandums Analyse financial models including forecasted cash flows and sensitivities to assess debt capacity and repayment Ensure transaction are documented in accordance with credit approved terms and credit sanctions Meet team and individual targets including profit, credit quality, new customers, retention and customer satisfaction Have an overview of ongoing relationship management and client experience Drive innovation in the product proposition to improve customer experience levels whilst maintaining asset quality Ensure high level of customer experience at all times Meet team and individual targets set by OakNorth ExCo, CEO and the Board Structure transactions appropriately, and prove full credit reports to sanctioning authority Maintain close relationships with customers and reporting to Credit in line with policy, in a timely manner Act in accordance with OakNorth Bank's values at all times You Have: In depth understanding and network of SME lending, Operational Real Estate and the Healthcare market within the North of England Excellent communication and customer facing skills Good understanding of business processes, strategy and credit policies Strong credit, financial analysis and modelling skills, including the ability to write good quality, structured credit papers Experience in the analysis of senior, stretched senior and mezzanine cashflow unsecured transactions Legal documentation skills Experience in presenting credit case internally to a credit committee Strong problem solving ability Degree in Finance / Commerce or equivalent About Us: We're OakNorth Bank and we embolden entrepreneurs to realise their ambitions, understand their markets, and apply data intelligence to everyday decisions to scale successfully at pace.
Feb 27, 2026
Full time
At OakNorth, we're on a mission to empower the UK's most ambitious businesses. Since 2015, we've lent over $18 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers - all while fuelling the UK economy. This is an exciting opportunity to join a dynamic, fast-growing bank known for challenging the status quo. We're not looking for just another cog in the wheel - we want bold thinkers and proactive self-starters who are eager to shape their own careers and support the UK's most driven business leaders. The Director's mission is to independently originate high-quality new deals that align with OakNorth's focus on supporting ambitious entrepreneurs and profitable, growing businesses across the North of England. This role involves taking full end-to-end ownership, with a strong emphasis on maintaining credit discipline and ensuring customer delight. Play a key role in embracing / living OakNorth's entrepreneurial attitude. You Will: Originate, structure, execute transactions that meet the lending requirements of OakNorth Manage and further develop existing customer relationships, along with identifying new relationships and opportunities in the market Work as part of a team on the execution of corporate finance / real estate / property / trading business transactions Build the profile of Bank in the external market with, for example SMEs, KBIs, Advisors and Private Equity firms Assess appropriate organic and inorganic growth opportunities for OakNorth Bank in the market Spread financial accounts and financial modelling Analyse financial accounts and manage information and prepare credit memorandums Analyse financial models including forecasted cash flows and sensitivities to assess debt capacity and repayment Ensure transaction are documented in accordance with credit approved terms and credit sanctions Meet team and individual targets including profit, credit quality, new customers, retention and customer satisfaction Have an overview of ongoing relationship management and client experience Drive innovation in the product proposition to improve customer experience levels whilst maintaining asset quality Ensure high level of customer experience at all times Meet team and individual targets set by OakNorth ExCo, CEO and the Board Structure transactions appropriately, and prove full credit reports to sanctioning authority Maintain close relationships with customers and reporting to Credit in line with policy, in a timely manner Act in accordance with OakNorth Bank's values at all times You Have: In depth understanding and network of SME lending, Operational Real Estate and the Healthcare market within the North of England Excellent communication and customer facing skills Good understanding of business processes, strategy and credit policies Strong credit, financial analysis and modelling skills, including the ability to write good quality, structured credit papers Experience in the analysis of senior, stretched senior and mezzanine cashflow unsecured transactions Legal documentation skills Experience in presenting credit case internally to a credit committee Strong problem solving ability Degree in Finance / Commerce or equivalent About Us: We're OakNorth Bank and we embolden entrepreneurs to realise their ambitions, understand their markets, and apply data intelligence to everyday decisions to scale successfully at pace.
A leading financial institution in Greater London is seeking a Director to originate high-quality deals and enhance customer relationships. The ideal candidate has a strong background in SME lending and financial analysis, ensuring transactions align with organizational policies. Key responsibilities include managing client interactions, structuring transactions, and driving innovation while adhering to credit disciplines. This role offers competitive benefits and a dynamic work environment.
Feb 27, 2026
Full time
A leading financial institution in Greater London is seeking a Director to originate high-quality deals and enhance customer relationships. The ideal candidate has a strong background in SME lending and financial analysis, ensuring transactions align with organizational policies. Key responsibilities include managing client interactions, structuring transactions, and driving innovation while adhering to credit disciplines. This role offers competitive benefits and a dynamic work environment.
A leading neobank in the UK is seeking a Senior Product Manager to enhance their retail savings offerings. This role requires a strong understanding of the UK retail savings market and the ability to analyze data to drive decision-making. The ideal candidate will own the product roadmap, work closely with cross-functional teams, and be responsible for the development and delivery of high-quality savings products. Competitive salary, flexible working, and various employee perks make this an attractive opportunity.
Feb 05, 2026
Full time
A leading neobank in the UK is seeking a Senior Product Manager to enhance their retail savings offerings. This role requires a strong understanding of the UK retail savings market and the ability to analyze data to drive decision-making. The ideal candidate will own the product roadmap, work closely with cross-functional teams, and be responsible for the development and delivery of high-quality savings products. Competitive salary, flexible working, and various employee perks make this an attractive opportunity.
At OakNorth, we're on a mission to empower the UK's most ambitious businesses. Since 2015, we've lent over $18 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers - all while fuelling the UK economy. About the role OakNorth Personal Savings is a core funding engine for the bank, managing billions in AUM. OakNorth is one of the neobanks in the UK responsible for 46% of new growth in the Industry. As a Senior Product Manager (IC) in the Personal Savings squad, you'll own major parts of our direct-to-customer retail savings proposition, work with the partnerships team to develop and distribute our products, shaping the product portfolio across acquisition, onboarding, in-life servicing, and reinvestment. This is a highly commercial role: you'll work with some of the strongest commercial minds in the industry and partner closely with Pricing, Finance/Treasury, Engineering, Design, Risk/Compliance, and Operations to build a best-in-class savings experience, balancing customer value, regulatory discipline, operational scalability, and cost-of-funds realities. This role is ideal for a data led PM. You will be expected to define the metrics that matter, form hypotheses, run analyses (often self serve), and use evidence to drive prioritisation and pricing/product trade offs. What you will be accountable for Own and drive the retail savings roadmap Own outcomes, roadmap, and delivery for key areas of the direct retail savings proposition (across web + app). You are accountable for the definition, launch, configuration, lifecycle management and operation of savings products (e.g. term, notice, ISAs, easy access), including product definition, eligibility rules, maturity behaviour, and reinvestment mechanics. Translate strategy into clear problems to solve, measurable OKRs, and a roadmap that delivers impact, not just output. Build a proposition that wins beyond interest rates Understand customer needs and behaviours across the lifecycle (acquisition, funding, in-life, maturity/reinvestment), using research and data to guide prioritisation. Improve conversion, confidence, and retention through clearer journeys, better product packaging, and reduced friction. Be the product partner to Pricing and Finance/Treasury Work directly with the Pricing Lead and Finance/Treasury to support pricing decisions and sign off with clear evidence, trade offs, and customer impact. Be responsible for shaping product and pricing hypotheses, testing them in market, and translating performance data into clear recommendations on rate changes, mix, and lifecycle strategy Help build the operating cadence between Product + Pricing (hypotheses, experiments, measurement, iteration). Ship high quality product with Engineering + Ops Work hands on with engineers and designers to define, deliver, and iterate solutions safely in a regulated environment. Partner with Operations to reduce avoidable contacts and operational drag through self serve improvements and process simplification. Maintain a high bar for resilience, quality, and customer trust. Contribute to partner linked delivery where relevant Support areas where partner journeys intersect the core platform (e.g., shared capabilities, servicing, funding flows), while keeping the primary focus on direct retail. What success looks like Measurable improvements to achieving our volume needs at expected margins. Constant uplift in end to end funnel and customer lifecycle events (conversion, funding, reinvestment, retention). Faster shipping with fewer incidents and less operational overhead. Strong product contribution to pricing decisions: clearer narratives, cleaner trade offs, stronger measurement. About you Must haves Strong product craft: discovery, problem framing, prioritisation and outcome ownership . Strong understanding of the UK retail savings market, including customer rate sensitivity, aggregator dynamics, reinvestment behaviour, and competitive positioning. Strong commercial judgement and comfort operating within constraints (margin/cost of funds awareness, liquidity/mix implications, portfolio trade offs). Demonstrable quantitative skill: you can define the right metrics, analyse performance, design tests, and make decisions based on evidence. Highly credible with cross functional stakeholders: you can influence Pricing/Finance, align Engineering, and navigate Risk/Compliance and Ops. Data driven: fluent in metrics, experimentation, and honest performance assessment. Excellent written and verbal communication: can distil complex analysis into recommendations and clear decisions. Nice to haves Experience improving customer journeys (onboarding/KYC conversion or reinvestment flows) in savings products. Experience with aggregator/affiliate led acquisition. Experience simplifying operational processes or building scalable servicing journeys. Exposure to or interest in US deposit products is a plus, particularly differences in customer behaviour, regulation, and pricing dynamics. What makes working here better This is a truly hybrid role, offering engineers and product the flexibility to work from home while also providing opportunities to collaborate in person with the team when it adds value. There's no fixed requirement for days in the office, instead, we focus on creating space for engineers & product to engage meaningfully, whether that's in person for whiteboarding sessions or remote for deep focus work. Work life balance - 25 days holiday (plus bank holidays) each year, and enhanced family leave allowances. Competitive salary & equity - We want people to have a serious stake in the business. Good kit - Your choice of the best laptop, running macOS or Ubuntu. Team socials - The opportunity to get to know each other outside of work. Company socials - A chance to catch up and meet new colleagues weekly over informal office breakfasts and dinners on OakNorth - or at our free barista bar every day. Commuter support - We offer the cycle to work & EV scheme.
Feb 04, 2026
Full time
At OakNorth, we're on a mission to empower the UK's most ambitious businesses. Since 2015, we've lent over $18 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers - all while fuelling the UK economy. About the role OakNorth Personal Savings is a core funding engine for the bank, managing billions in AUM. OakNorth is one of the neobanks in the UK responsible for 46% of new growth in the Industry. As a Senior Product Manager (IC) in the Personal Savings squad, you'll own major parts of our direct-to-customer retail savings proposition, work with the partnerships team to develop and distribute our products, shaping the product portfolio across acquisition, onboarding, in-life servicing, and reinvestment. This is a highly commercial role: you'll work with some of the strongest commercial minds in the industry and partner closely with Pricing, Finance/Treasury, Engineering, Design, Risk/Compliance, and Operations to build a best-in-class savings experience, balancing customer value, regulatory discipline, operational scalability, and cost-of-funds realities. This role is ideal for a data led PM. You will be expected to define the metrics that matter, form hypotheses, run analyses (often self serve), and use evidence to drive prioritisation and pricing/product trade offs. What you will be accountable for Own and drive the retail savings roadmap Own outcomes, roadmap, and delivery for key areas of the direct retail savings proposition (across web + app). You are accountable for the definition, launch, configuration, lifecycle management and operation of savings products (e.g. term, notice, ISAs, easy access), including product definition, eligibility rules, maturity behaviour, and reinvestment mechanics. Translate strategy into clear problems to solve, measurable OKRs, and a roadmap that delivers impact, not just output. Build a proposition that wins beyond interest rates Understand customer needs and behaviours across the lifecycle (acquisition, funding, in-life, maturity/reinvestment), using research and data to guide prioritisation. Improve conversion, confidence, and retention through clearer journeys, better product packaging, and reduced friction. Be the product partner to Pricing and Finance/Treasury Work directly with the Pricing Lead and Finance/Treasury to support pricing decisions and sign off with clear evidence, trade offs, and customer impact. Be responsible for shaping product and pricing hypotheses, testing them in market, and translating performance data into clear recommendations on rate changes, mix, and lifecycle strategy Help build the operating cadence between Product + Pricing (hypotheses, experiments, measurement, iteration). Ship high quality product with Engineering + Ops Work hands on with engineers and designers to define, deliver, and iterate solutions safely in a regulated environment. Partner with Operations to reduce avoidable contacts and operational drag through self serve improvements and process simplification. Maintain a high bar for resilience, quality, and customer trust. Contribute to partner linked delivery where relevant Support areas where partner journeys intersect the core platform (e.g., shared capabilities, servicing, funding flows), while keeping the primary focus on direct retail. What success looks like Measurable improvements to achieving our volume needs at expected margins. Constant uplift in end to end funnel and customer lifecycle events (conversion, funding, reinvestment, retention). Faster shipping with fewer incidents and less operational overhead. Strong product contribution to pricing decisions: clearer narratives, cleaner trade offs, stronger measurement. About you Must haves Strong product craft: discovery, problem framing, prioritisation and outcome ownership . Strong understanding of the UK retail savings market, including customer rate sensitivity, aggregator dynamics, reinvestment behaviour, and competitive positioning. Strong commercial judgement and comfort operating within constraints (margin/cost of funds awareness, liquidity/mix implications, portfolio trade offs). Demonstrable quantitative skill: you can define the right metrics, analyse performance, design tests, and make decisions based on evidence. Highly credible with cross functional stakeholders: you can influence Pricing/Finance, align Engineering, and navigate Risk/Compliance and Ops. Data driven: fluent in metrics, experimentation, and honest performance assessment. Excellent written and verbal communication: can distil complex analysis into recommendations and clear decisions. Nice to haves Experience improving customer journeys (onboarding/KYC conversion or reinvestment flows) in savings products. Experience with aggregator/affiliate led acquisition. Experience simplifying operational processes or building scalable servicing journeys. Exposure to or interest in US deposit products is a plus, particularly differences in customer behaviour, regulation, and pricing dynamics. What makes working here better This is a truly hybrid role, offering engineers and product the flexibility to work from home while also providing opportunities to collaborate in person with the team when it adds value. There's no fixed requirement for days in the office, instead, we focus on creating space for engineers & product to engage meaningfully, whether that's in person for whiteboarding sessions or remote for deep focus work. Work life balance - 25 days holiday (plus bank holidays) each year, and enhanced family leave allowances. Competitive salary & equity - We want people to have a serious stake in the business. Good kit - Your choice of the best laptop, running macOS or Ubuntu. Team socials - The opportunity to get to know each other outside of work. Company socials - A chance to catch up and meet new colleagues weekly over informal office breakfasts and dinners on OakNorth - or at our free barista bar every day. Commuter support - We offer the cycle to work & EV scheme.
Overview At OakNorth, we're on a mission to empower the UK's most ambitious businesses. Since 2015, we've lent over $18 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers - all while fuelling the UK economy. The Role OakNorth is looking for a Senior Product Manager to lead the re-imagining and digitisation of in-life loan monitoring as part of the Digital Lending programme within the Lending business unit. This is a senior, hands-on product leadership position, accountable for transforming how monitoring is performed across the lifecycle of a loan. You will own the product strategy, roadmap, and outcomes for digitising risk-based monitoring processes, replacing existing ways of working with scalable, technology-enabled approaches. Monitoring is a deeply embedded, expert-led function with strong existing practices and high regulatory sensitivity. This role exists to challenge and change current practices and ways of working - thoughtfully, credibly, and decisively. Success will depend on your conviction, experience, and ability to demonstrate that better ways of working are both possible and safe. This is not a "step-up" role. OakNorth is explicitly looking for a seasoned Senior Product Manager who has already led monitoring or similar process-heavy transformations (preferably in financial service) and can operate with confidence and authority from day one. What you will be accountable for Product strategy for in-life monitoring Own the end-to-end product strategy for digitising and modernising in-life monitoring across the loan portfolio. Define how risk-based monitoring processes should operate in a modern lending organisation-balancing automation, human judgement, proportionality, and regulatory expectations. Move monitoring toward modern data-driven approaches aligned to risk, exposure, and behaviour. Ensure the strategy is grounded in delivery reality and proven practice, not theoretical models. Re-imagining and modernising monitoring processes Lead the fundamental re-design of existing monitoring processes, not just their digitisation. Identify where current ways of working add genuine value-and where there is scope for change. Translate re-imagined processes into clear product requirements, workflows, and decision support. Take accountability for simplifying, standardising, and automating where appropriate-while protecting critical risk controls. Delivery, adoption, and embedded change Lead the delivery of monitoring capabilities so that they are actively adopted and trusted by Monitoring, Credit, and Risk teams. Ensure change is embedded in day-to-day operations, not left as optional tooling or parallel processes. Balance pace with confidence-knowing when to push through resistance and when to slow down to bring stakeholders with you. Own outcomes such as efficiency, consistency, auditability, and user confidence-not just feature delivery. Stakeholder leadership in a high-resistance environment Act as the senior product partner to the Monitoring function. Navigate significant challenge and pushback from experienced practitioners with strong views on how monitoring "is done now" and how it "should" be done. Use evidence, experience, and clarity to build credibility and influence decision-making. Partner closely with Risk, Credit, Compliance, and Legal to ensure changes are robust, defensible, and well-understood. Discovery, prioritisation, and decision-making Run focused, high-quality discovery to understand pain points, risk drivers, and operational constraints. Take a pragmatic, value-led approach to technology decisions, with an open mind to buying and orchestrating best-in-class 3rd party solutions where appropriate. Make clear prioritisation decisions in a crowded and opinionated space. Be comfortable saying no-or materially changing scope-when work does not support the intended outcomes. Maintain a clear line of sight between monitoring objectives, regulatory expectations, and product delivery. What success looks like Monitoring processes are materially more risk-based, proportionate, and consistent. Manual effort is reduced without loss of control, judgement, or confidence. Monitoring teams actively use and trust digital tools as part of their core workflow. Stakeholders acknowledge that monitoring is clearer, more defensible, and easier to operate. Product delivery is aligned, credible, and visibly improving monitoring outcomes. Internal user sentiment is "we wouldn't go back". About you You are a highly experienced Senior Product Manager with deep expertise in monitoring and process-heavy transformation. You: Have explicit, hands-on experience digitising and modernising in-life monitoring or equivalent post-origination risk processes in financial services (preferably lending). Have re-designed and embedded risk-based processes before-and understand why they succeed or fail in practice. Invest time in research and deep understanding of the subject matter to drive credibility and informed decision-making. Bring strong conviction, resilience, and credibility when challenging entrenched ways of working. Have a proven track record of delivering adopted change, not just launching tools. Are curious about new technologies and approaches, with a pro-innovation mindset and openness to emerging solutions in the monitoring space. Are decisive, outcome-focused, and willing to stand behind difficult product decisions. Are comfortable operating in environments with high regulatory scrutiny and strong expert opinion. Do not need a title stretch to perform at this level-you have done this job before. Why this role matters In-life monitoring is critical to managing risk, protecting customers, and enabling sustainable growth. How it operates has a direct impact on portfolio performance, regulatory confidence, and operational scalability. This role has the opportunity to fundamentally change how monitoring works at OakNorth, moving it from legacy, manual practices to modern, risk-based, digitally enabled approaches that scale with the business. If you are a Senior Product Manager who has already transformed monitoring once-and have the conviction to do it again in a challenging environment-this role offers real ownership and real impact. What makes working here better This is a truly hybrid role, offering engineers and product the flexibility to work from home while also providing opportunities to collaborate in person with the team when it adds value. There's no fixed requirement for days in the office, instead, we focus on creating space for engineers & product to engage meaningfully, whether that's in-person for whiteboarding sessions or remote for deep focus work. Work-life balance - 25 days holiday (plus bank holidays) each year, and enhanced family leave allowances. Competitive salary & equity - We want people to have a serious stake in the business. Good kit - Your choice of the best laptop, running macOS or Ubuntu. Team socials - The opportunity to get to know each other outside of work. Company socials - A chance to catch up and meet new colleagues weekly over informal office breakfasts and dinners on OakNorth - or at our free barista bar every day. Commuter support - We offer the cycle to work & EV scheme. About Us We're OakNorth Bank and we embolden entrepreneurs to realise their ambitions, understand their markets, and apply data intelligence to everyday decisions to scale successfully at pace. Banking should be barrier-free. It's a belief at our very core, inspired by our entrepreneurial spirit, driven by the unmet financial needs of millions, and delivered by our data-driven tools. And for those who love helping businesses thrive? Our savings accounts help diversify the high street and create new jobs, all while earning savers some of the highest interest on the market. But we go beyond finance, to empower our people, encourage professional growth and create an environment where everyone can thrive. We strive to create an inclusive and diverse workplace where people can be themselves and succeed. Our story OakNorth Bank was built on the foundations of frustrations with old-school banking. In 2005, when our founders tried to get capital for their data analytics company, the computer said 'no'. Unfortunately, all major banks in the UK were using the same computer - and it was broken. Why was it so difficult for a profitable business with impressive cashflow, retained clients, and clear commercial success to get a loan? The industry was backward-looking and too focused on historic financials, rather than future potential. So, what if there was a bank, founded by entrepreneurs, for entrepreneurs? One that offered a dramatically better borrowing experience for businesses? No more what ifs, OakNorth Bank exists. For more information regarding our Privacy Policy and practices, please visit:
Feb 03, 2026
Full time
Overview At OakNorth, we're on a mission to empower the UK's most ambitious businesses. Since 2015, we've lent over $18 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers - all while fuelling the UK economy. The Role OakNorth is looking for a Senior Product Manager to lead the re-imagining and digitisation of in-life loan monitoring as part of the Digital Lending programme within the Lending business unit. This is a senior, hands-on product leadership position, accountable for transforming how monitoring is performed across the lifecycle of a loan. You will own the product strategy, roadmap, and outcomes for digitising risk-based monitoring processes, replacing existing ways of working with scalable, technology-enabled approaches. Monitoring is a deeply embedded, expert-led function with strong existing practices and high regulatory sensitivity. This role exists to challenge and change current practices and ways of working - thoughtfully, credibly, and decisively. Success will depend on your conviction, experience, and ability to demonstrate that better ways of working are both possible and safe. This is not a "step-up" role. OakNorth is explicitly looking for a seasoned Senior Product Manager who has already led monitoring or similar process-heavy transformations (preferably in financial service) and can operate with confidence and authority from day one. What you will be accountable for Product strategy for in-life monitoring Own the end-to-end product strategy for digitising and modernising in-life monitoring across the loan portfolio. Define how risk-based monitoring processes should operate in a modern lending organisation-balancing automation, human judgement, proportionality, and regulatory expectations. Move monitoring toward modern data-driven approaches aligned to risk, exposure, and behaviour. Ensure the strategy is grounded in delivery reality and proven practice, not theoretical models. Re-imagining and modernising monitoring processes Lead the fundamental re-design of existing monitoring processes, not just their digitisation. Identify where current ways of working add genuine value-and where there is scope for change. Translate re-imagined processes into clear product requirements, workflows, and decision support. Take accountability for simplifying, standardising, and automating where appropriate-while protecting critical risk controls. Delivery, adoption, and embedded change Lead the delivery of monitoring capabilities so that they are actively adopted and trusted by Monitoring, Credit, and Risk teams. Ensure change is embedded in day-to-day operations, not left as optional tooling or parallel processes. Balance pace with confidence-knowing when to push through resistance and when to slow down to bring stakeholders with you. Own outcomes such as efficiency, consistency, auditability, and user confidence-not just feature delivery. Stakeholder leadership in a high-resistance environment Act as the senior product partner to the Monitoring function. Navigate significant challenge and pushback from experienced practitioners with strong views on how monitoring "is done now" and how it "should" be done. Use evidence, experience, and clarity to build credibility and influence decision-making. Partner closely with Risk, Credit, Compliance, and Legal to ensure changes are robust, defensible, and well-understood. Discovery, prioritisation, and decision-making Run focused, high-quality discovery to understand pain points, risk drivers, and operational constraints. Take a pragmatic, value-led approach to technology decisions, with an open mind to buying and orchestrating best-in-class 3rd party solutions where appropriate. Make clear prioritisation decisions in a crowded and opinionated space. Be comfortable saying no-or materially changing scope-when work does not support the intended outcomes. Maintain a clear line of sight between monitoring objectives, regulatory expectations, and product delivery. What success looks like Monitoring processes are materially more risk-based, proportionate, and consistent. Manual effort is reduced without loss of control, judgement, or confidence. Monitoring teams actively use and trust digital tools as part of their core workflow. Stakeholders acknowledge that monitoring is clearer, more defensible, and easier to operate. Product delivery is aligned, credible, and visibly improving monitoring outcomes. Internal user sentiment is "we wouldn't go back". About you You are a highly experienced Senior Product Manager with deep expertise in monitoring and process-heavy transformation. You: Have explicit, hands-on experience digitising and modernising in-life monitoring or equivalent post-origination risk processes in financial services (preferably lending). Have re-designed and embedded risk-based processes before-and understand why they succeed or fail in practice. Invest time in research and deep understanding of the subject matter to drive credibility and informed decision-making. Bring strong conviction, resilience, and credibility when challenging entrenched ways of working. Have a proven track record of delivering adopted change, not just launching tools. Are curious about new technologies and approaches, with a pro-innovation mindset and openness to emerging solutions in the monitoring space. Are decisive, outcome-focused, and willing to stand behind difficult product decisions. Are comfortable operating in environments with high regulatory scrutiny and strong expert opinion. Do not need a title stretch to perform at this level-you have done this job before. Why this role matters In-life monitoring is critical to managing risk, protecting customers, and enabling sustainable growth. How it operates has a direct impact on portfolio performance, regulatory confidence, and operational scalability. This role has the opportunity to fundamentally change how monitoring works at OakNorth, moving it from legacy, manual practices to modern, risk-based, digitally enabled approaches that scale with the business. If you are a Senior Product Manager who has already transformed monitoring once-and have the conviction to do it again in a challenging environment-this role offers real ownership and real impact. What makes working here better This is a truly hybrid role, offering engineers and product the flexibility to work from home while also providing opportunities to collaborate in person with the team when it adds value. There's no fixed requirement for days in the office, instead, we focus on creating space for engineers & product to engage meaningfully, whether that's in-person for whiteboarding sessions or remote for deep focus work. Work-life balance - 25 days holiday (plus bank holidays) each year, and enhanced family leave allowances. Competitive salary & equity - We want people to have a serious stake in the business. Good kit - Your choice of the best laptop, running macOS or Ubuntu. Team socials - The opportunity to get to know each other outside of work. Company socials - A chance to catch up and meet new colleagues weekly over informal office breakfasts and dinners on OakNorth - or at our free barista bar every day. Commuter support - We offer the cycle to work & EV scheme. About Us We're OakNorth Bank and we embolden entrepreneurs to realise their ambitions, understand their markets, and apply data intelligence to everyday decisions to scale successfully at pace. Banking should be barrier-free. It's a belief at our very core, inspired by our entrepreneurial spirit, driven by the unmet financial needs of millions, and delivered by our data-driven tools. And for those who love helping businesses thrive? Our savings accounts help diversify the high street and create new jobs, all while earning savers some of the highest interest on the market. But we go beyond finance, to empower our people, encourage professional growth and create an environment where everyone can thrive. We strive to create an inclusive and diverse workplace where people can be themselves and succeed. Our story OakNorth Bank was built on the foundations of frustrations with old-school banking. In 2005, when our founders tried to get capital for their data analytics company, the computer said 'no'. Unfortunately, all major banks in the UK were using the same computer - and it was broken. Why was it so difficult for a profitable business with impressive cashflow, retained clients, and clear commercial success to get a loan? The industry was backward-looking and too focused on historic financials, rather than future potential. So, what if there was a bank, founded by entrepreneurs, for entrepreneurs? One that offered a dramatically better borrowing experience for businesses? No more what ifs, OakNorth Bank exists. For more information regarding our Privacy Policy and practices, please visit: