Nicholas Howard are delighted to be partnering 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 there has never been a better time to join the business, a specialist mortgage lender backed by a global financial institution offering first and second charge loans. What you will be doing You’ll analyse the UK First and Second Charge mortgage markets, shape product strategy and pricing, and ensure mortgage propositions remain competitive, commercially strong and aligned to customer needs. 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 A commercially minded, analytical Product Manager with strong mortgage market knowledge and the ability to turn insight into clear, actionable recommendations. You will bring: * 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. Some of the benefits we provide are: * 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. Please register your interest by submitting your CV