Product Manager – Regulated Lending (FTC) at Recognisebank

Hello,   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 the Product Manager – Regulated Lending (6 months fixed term contract), you will be at the forefront of transforming the way borrowers access funding. You will lead a cross-functional team to deliver the Bank’s first regulated lending product and enable faster, better, more transparent lending decisions for our customers.   Reporting to the Head of Product, you’ll own the delivery and launch of this new product, ensuring it meets customer/broker needs, complies with regulatory standards, and drives business growth. You’ll work with senior stakeholders across Recognise and third-party technology providers to deliver our ongoing MVP build, pilot and full launch, then shape future phases to iteratively improve the product.  Key Responsibilities Discovery & delivery  • Lead product development for a new Regulated Bridging product • Work closely with the project Business Analyst to translate business requirements into clear product specifications and user stories • Partner with engineering and third‑party platform providers to ensure requirements are understood, edge cases are designed for, and solutions are delivered on time and to standard • Document and communicate progress, risks, decisions and trade‑offs clearly to stakeholders, ensuring alignment across the programme. • Support readiness for launch by coordinating UAT, operational process design, broker onboarding, and internal training. • Use broker, borrower and market insights to refine our MVP scope and pilot design, while shaping the roadmap for future phases. Collaboration & coordination • Work with ExCo, Risk, Compliance, Credit and Operations to shape the product and processes, ensure regulatory alignment (including MCOB and Consumer Duty), and mitigate risks throughout development. • Be the central point of coordination between internal teams and external vendors (including Mambu, nCino and other technology partners) to ensure smooth, integrated delivery. • Collaborate with marketing, distribution and partnerships teams to design and support broker engagement, pilot execution and go‑to‑market activities. Performance & optimisation • Define and track success metrics and KPIs for the MVP, pilot and full launch – including operational efficiency, decisioning speed, customer outcomes, conversion and broker satisfaction. • Identify opportunities to optimise processes, platform functionality and user journeys as part of post‑launch iterations and future roadmap phases. Corporate Responsibilities • Read and follow all relevant company policies and procedures • Adhere to all risk-related responsibilities applicable to your role, as set out in the Risk Management Policy • Abide by all compliance and financial crime related policies, procedures and reporting obligations applicable to your role Required Skills & Experience • 4+ years in Product within Regulated Lending at a bank or fintech • Leading cross-functional teams to launch and grow products that have solved customer problems and delivered measurable business outcomes  • In-depth knowledge of customer/broker needs in the specialist property lending market, including Regulated Bridging • Collaborating with commercial, credit and operational teams to deliver seamless lending experiences • Working within a regulated environment, ensuring compliance with Consumer Duty, MCOB and other relevant regulations • Working with Mambu, nCino or similar banking platforms 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.   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.