Product Manager | Lending

We are Recognise Bank; a modern business bank built to support the UK’s SMEs with tailored lending and savings solutions.

Founded in 2017 by experienced business owners, we set out to challenge traditional banking by offering more flexibility, understanding, and practical support to help businesses thrive. Since receiving our banking licence in 2021, we’ve built a loyal customer base and a strong, diverse team that puts people first.

Our vision is building stronger futures with bespoke financial solutions . We understand that no two financial needs are the same, which is why we work closely with UK SMEs and individuals to unlock potential others often overlook. Through smart, flexible lending and savings products, we’re here to build and grow stronger futures for lasting success .

Our values shape how we work and grow together:

Can do, will do: We take ownership, solve problems, and adapt as our customers’ needs evolve.

✨ Be brilliant: We show up with curiosity and energy, always striving for better.

🤝 Do the right thing: We act with integrity, responsibility, and care in everything we do.

Make a difference: We focus on impact, helping our customers, colleagues, and communities succeed.

About the role

As a Product Manager | Lending, you will be at the forefront of transforming the way SMEs access funding. You will lead cross-functional teams to discover, design and deliver new or improved lending products and enable faster, better, more transparent lending decisions for our customers. You will work closely with senior business stakeholders, and help shape the product roadmap, ensuring our products meet customer needs, comply with regulatory standards, and drive business growth.

You will be reporting to the Head of Product, and will help establish a world-class product team and shape how we approach product discovery and delivery. You’ll implement best practices from the technology, banking and fintech industries, ensuring our product development processes are agile, efficient, and customer focused.

Key Responsibilities

• Define and communicate a clear, compelling product vision, strategy, and roadmap for lending products.
• Conduct market research, customer discovery, and competitor analysis to understand customer/broker pain points and identify opportunities.
• Discovery & Delivery
• Lead end-to-end product development from ideation through launch and optimisation.
• Map lending journeys to identify customer pain points and process inefficiencies, delivering enhancements to improve user experience.
• Translate business requirements into clear product specifications and collaborate cross-functionally to design effective solutions.
• Prioritise features and enhancements based on customer impact, business value, and technical feasibility.
• Lead cross-functional teams to deliver high-quality products efficiently.
• Work with the ExCo and senior leadership to develop and improve lending products and expand distribution channels.
• Partner with technology and business teams (e.g., marketing, sales, credit, operations) to deliver product, platform, and process enhancements.
• Collaborate with risk, compliance, and legal teams to manage risk and ensure regulatory compliance.
• Performance & Optimisation
• Monitor KPIs to track product performance and identify improvement opportunities.
• Conduct Post Implementation Reviews (PIRs) and periodic reviews to ensure good customer outcomes and regulatory compliance.
• Corporate Responsibilities
• Follow all relevant company policies and procedures.
• Adhere to risk management responsibilities outlined in the Risk Management Policy.
• Comply with all financial crime, compliance, and reporting obligations relevant to the role.

Required Skills & Experience

• 4+ years’ experience in Product within banking or fintech, with a focus on property lending .
• Proven track record of leading cross-functional teams to launch and scale products that solve customer problems and deliver measurable business outcomes.
• In-depth understanding of customer and broker needs in the specialist property lending market, including Bridging, Commercial, and BTL mortgages.
• Experience collaborating with commercial, credit, and operational teams to deliver seamless lending experiences.
• Experience working in regulated environments, ensuring compliance with Consumer Duty and other relevant regulations.
• Familiarity with banking platforms such as Mambu, nCino , or similar systems.

Why Join?

At Recognise Bank , we're building more than a bank — we’re creating a culture where people feel empowered to make a difference , supported to be brilliant ✨ with a can do will do attitude, and trusted to do the right thing 🤝.

We believe that when our people thrive, so do our customers. That’s why we invest in an environment that reflects our values and supports your growth, flexibility, and wellbeing.

Here’s what you can look forward to:

Competitive Time Off – Generous annual leave plus bank holidays to rest, recharge, and enjoy life outside of work.

Work From Anywhere – Up to 4 weeks per year to work remotely from anywhere in the world.

Learning & Development – Tailored training and support to grow your skills and achieve your professional goals.

Hybrid Working – To support your work-life balance, we offer a hybrid working model with 3 days in the office and 2 days remote.

🩺 Private Medical Care with Vitality – Comprehensive healthcare including optical and dental coverage to keep you healthy.

Enhanced Pension Scheme – Helping you plan and save for a secure future.

Maternity, Paternity & Adoption Pay – Supporting you and your family during important life moments.

Discretionary Company Bonus – Rewarding your contribution to our shared success.

If you're curious , driven , and ready to be part of something meaningful — where your ideas matter, your growth is supported, and your work makes a real impact — then we’d love to hear from you.

Recognise Bank is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

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