Lead Commercial Manager - Mortgages

Job Description

Title: Lead Commercial Manager – Mortgages

Contract Type: Permanent

Location: Bradford

Working Pattern: Hybrid (usually a couple of days a week in the office).

We welcome part-time and flexible arrangements and will aim to match your current flexibility where possible.

What We Offer

We care about your wellbeing, not just your work. Our benefits are designed to support your life, your health and your growth:

• Holidays: 25 days (rising to 30) + buy/sell up to 5 days + swap up to 4 bank holidays.
• Pension: Up to 10% employer contribution.
• Family Leave: Enhanced maternity and 4 weeks’ paternity from day-one, shared parental leave, paid neonatal care leave and support for adoption and surrogacy
• Fertility Support: Paid time off for fertility treatment and appointments, available to birth parents and partners, with confidential support and flexible adjustments where needed
• Workations: Work abroad for up to 20 days a year in approved countries.
• Birthday Leave: Your birthday off—paid.
• Volunteering: 2 paid volunteering days.
• Learning: Access to Learning for all colleagues.
• Financial Wellbeing: Free Snoop Premium subscription.
• Healthcare: Self-pay Denplan & optional Private Medical Insurance.

The Role

You and your Team

Reporting to the Senior Manager Mortgages & Specialist Portfolios, as the Lead Commercial Manager you will support the management of the Second Charge Mortgage (2CM) portfolio, helping to deliver strong commercial returns.

The role will support the transition to warehouseled data structures by developing clear, executivelevel reporting and strengthening portfolio oversight. You will work closely with external origination and servicing partners and collaborate with senior internal stakeholders across Treasury, Finance, Risk, Legal and Customer teams.

As a Lead Commercial Manager, you will:

• Enhancing the developing oversight framework for our mortgage portfolio, understanding, managing and influencing the key drivers of the 2CM product and portfolio performance.
• Delivery of trading information and narrative to support interactions up to/with ExCo level.
• Establishing and maintaining strong relationships across the business, ensuring continued suitability of 2CM outputs.
• Managing relationships with external lending partners to deliver optimal returns for the Group.
• Becoming key business contact with data partners as 2CM product transitions to a data warehouse.
• Regular product assessments to identify opportunities to drive commercial value and continuous improvement
• Deputising for the Senior Manager in relevant committees / forums as required

What We’re Looking For

• Experience of mortgage lending and the key drivers to deliver sustainable profits.
• Proven track record in commercial / product and pricing strategy in FS.
• Strong knowledge of lending products and market dynamics.
• Understanding of regulatory, legislative and compliance requirements in the UK FS sector.
• Coding knowledge desirable, SQL preferred but other languages beneficial

How We Hire
We use AI to help organise applications and surface early matches, but all decisions are made by humans. Please apply authentically — especially during interviews.

If you need assistive technology or reasonable adjustments (including the use of AI tools), please let the Talent Acquisition team know in advance and we’ll be happy to support you. Where we have reason to believe AI has been used inappropriately, we reserve the right to withdraw a candidate from the recruitment process.

Pre-Employment Checks;

Any offer made will be subject to standard background checks, including credit, fraud and employment references. Due to the regulated nature of our business, additional checks may apply.

Who we are

At Vanquis, our purpose is simple: to deliver caring banking that helps people make the most of life’s opportunities. Founded in 1880, we’re now a FTSE All Share specialist bank supporting over 1.7 million UK customers with responsible, tailored lending.

We’re proud to be certified by Great Place to Work, recognised as one of the Financial Times UK’s Best Employers in 2025 and 2026, and awarded Bronze status under the Armed Forces Covenant. Taken together, these achievements reflect our genuine commitment to putting our people first and supporting those who serve.

Guided by our values — caring for people, pulling together, finding better ways and getting the right things done — we’re building a workplace where colleagues feel connected, valued and empowered. Alongside competitive pay, we offer meaningful benefits, salary reviews, a discretionary bonus scheme and continued recognition.

We’re invested in your development too. With the right support and hands-on learning, you’ll grow your skills, shape your career and realise your ambitions.

Equal Opportunities

Vanquis Bank is an Equal Opportunity Employer. We value everyone’s unique background, identity and experience, and we’re committed to a workplace where all colleagues can thrive. If you need any adjustments or support during the recruitment process, please contact @email and we’ll be happy to help.

Job Details