Product Manager – Mortgage Products

Overview

Nicholas Howard is delighted to partner with a highly successful and rapidly growing mortgage lending business, and we are currently looking for a Product Manager to join them in a newly created role. Working in a fast‑paced, successful Proposition & Delivery team in their London, Cardiff or Manchester office has never been a better time to join a specialist mortgage lender backed by a global financial institution offering first and second charge loans.

Key responsibilities

• Monitor competitors and market trends to identify risks and opportunities.
• Produce clear insights to inform pricing, product innovation and roadmap decisions.
• Recommend and deliver product roadmaps across all mortgage lines.
• Lead pricing evaluation, modelling and recommendations, presenting insights through Power BI.
• Maintain accurate pricing models and oversee pricing & product changes through governance.
• Identify new product features, digital improvements and enhancement opportunities.
• Work cross‑functionally with Change, Risk, Credit, Operations and Technology.
• Ensure all proposals meet Consumer Duty, Fair Value and regulatory expectations.

What we are looking for

• Strong understanding of mortgage markets and distribution dynamics.
• Knowledge of pricing levers, margin drivers and product P&L impacts.
• Experience delivering product and pricing changes within structured governance.
• Advanced Excel skills; VBA/SQL/DAX a plus.
• Ability to interpret data, build pricing models and produce clear insights (Power BI experience beneficial).
• Excellent communication, attention to detail and problem‑solving ability.
• Proactive mindset, confidence with senior stakeholders and ability to work cross‑functionally.
• Degree level education; numerate or analytical qualifications preferred.

Benefits

• Competitive salaries and bonus schemes
• Hybrid home/office working arrangements
• Regular training and opportunities to learn and grow
• Holiday leave plus bank holidays
• Medical insurance cover
• Life insurance
• Health and wellbeing support

In return for your commitment, you’ll have the chance to develop your career in a dynamic environment, working alongside top talent and an exceptional leadership team.

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