Group Product Manager Digital Lending
Share
Job Location:
Monthly Salary:
Posted on:
18 hours ago
Vacancies:
1 Vacancy
Job Summary
At OakNorth were on a mission to empower the UKs most ambitious businesses. Since 2015 weve lent over $18 billion across the UK and US helped create more than 58000 new homes and 36000 new jobs and supported hundreds of thousands of personal savers all while fuelling the UK economy.
The Role
OakNorth is looking for a Group Product Manager to lead the strategy and delivery of the digital transformation of credit analysis within loan underwriting as part of the Digital Lending programme in the Lending business unit.
This is a senior product leadership role reporting into the Director of Lending Product with line management responsibility for a number of senior and mid-level Product Leads. You will be accountable for shaping the vision roadmap and outcomes for how credit analysis is performed supported and scaled through technology at OakNorth.
Credit analysis is at the core of OakNorths lending propositionand one of the most complex specialist and high-stakes areas of the business. This role exists to fundamentally change how credit decisions are supported not just by delivering software but by embedding new ways of working new capabilities and new levels of confidence across the Credit Analyst function.
You will lead a transformation that balances deep credit expertise regulatory expectations and operational reality with what best-in-class digital credit analysis looks like todayand what it needs to become tomorrow.
What were looking for
- Product strategy for digital credit analysis
- Own the end-to-end product strategy for the digitisation of credit analysis within loan underwriting.
- Define a clear credible vision for how technology should support better faster and more consistent credit decisionsgrounded in real-world delivery experience.
- Translate OakNorths lending strategy risk appetite and regulatory constraints into a coherent product roadmap with clear outcomes.
- Continuously assess what best in class looks like in digital credit analysis and underwritingand ensure OakNorth is moving decisively in that direction.
- Delivery of meaningful adopted change
- Lead the delivery of complex product initiatives that materially change how credit analysis is performed day to day.
- Ensure solutions are not only built and shipped but successfully adopted embedded and trusted by Credit Analysts and wider lending teams.
- Balance innovation with pragmatismknowing when to push for step-change improvement and when incremental progress is the right path.
- Take accountability for outcomes not just outputs including efficiency quality consistency and user confidence.
- Deep partnership with Credit Risk and Lending stakeholders
- Act as the senior product partner to the Credit Analyst functionan expert demanding and high-credibility stakeholder group.
- Build strong trust-based relationships with Credit Risk Operations Engineering Data and Compliance leaders.
- Navigate challenge and resistance constructively using evidence delivery track record and clarity of vision to drive alignment.
- Ensure product decisions are well-informed by credit expertise without being captured by legacy ways of working.
- Product leadership and team management
- Line manage and develop a team of senior and mid-level Product Leads setting clear expectations priorities and accountability.
- Coach product leaders to operate effectively in complex regulated expert-driven domains.
- Establish strong product management standards across discovery prioritisation delivery and measurement.
- Ensure teams are focused on the highest-impact problems with clear success metrics and ownership.
- Discovery decision-making and prioritisation
- Ensure discovery is purposeful decision-led and proportionate to risk and complexity.
- Use a combination of qualitative insight quantitative data and domain expertise to inform prioritisation and trade-offs.
- Makeand stand behindhard decisions including stopping simplifying or reshaping work that does not deliver sufficient value.
- Maintain a relentless focus on solving the right problems not just delivering requested features.
- Technology data and AI in credit analysis
- Lead the application of data automation and AI to improve credit analysis quality consistency and efficiency.
- Ensure emerging technologies are applied responsibly transparently and within regulatory and model-risk constraints.
- Work closely with Engineering and Data teams to ensure solutions are scalable explainable and operationally robust.
- Anchor innovation to real improvements in analyst decision-making and confidencenot novelty.
What success looks like
- Credit Analysts can complete high-quality analysis more efficiently with better tooling clearer information and stronger decision support.
- Digital credit analysis capabilities are actively used trusted and embedded in day-to-day underwriting.
- Product teams are delivering consistently against a clear strategy with strong alignment across Credit Risk and Technology.
- Stakeholders see product as a driver of change and improvement not just a delivery function.
- The Digital Lending roadmap is credible outcome-focused and demonstrably improving lending performance.
- Product leaders in the team are stronger more confident and operating with greater autonomy and impact.
About you
- Have personally led the digitisation of credit analysis underwriting or decision support in a bank fintech or leading-edge lending organisation.
- Understand what best-in-class digital credit analysis looks likeand have delivered it in practice not just in theory.
- Are comfortable operating in high-challenge environments with strong opinions deep expertise and real risk.
- Can set a bold product vision and also get into the detail when credibility and delivery require it.
- Have led and developed other product managers creating clarity accountability and momentum.
- Are outcomes-driven resilient and highly self-motivated.
- Know that real transformation is as much about adoption and behaviour change as it is about technology.
- Can influence senior stakeholders through clarity evidence and delivery track recordand are willing to challenge constructively when needed.
What makes working here better
- This is a truly hybridrole 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. Theres no fixed requirement for days in the office instead we focus on creating space for engineers & product to engage meaningfully whether thats 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.
We may use artificial intelligence (AI) tools to support parts of the hiring process such as reviewing applications analyzing resumes or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed please contact us.
Required Experience:
IC
Key Skills
- JSP
- Access
- Account Management
- Corporate Risk Management
- KYC
- Administrative Services
About Company
OakNorth Credit Intelligence Suite transforms commercial lending, giving banks 360° views of borrowers, with deeply granular, forward-looking insight, to improve efficiencies, lower credit risk, and drive profitable growth through economic cycles. Banks lend smarter, lend faster, and ... View more
