Product Proposition Manager - Property Finance/Mortgages
About the job
- Strong business skills and commercial acumen, supported by advanced strategic thinking.
- A strong understanding of the UK specialist mortgage lending market.
- Proven product management and/or product development experience, with evidence of business benefit.
- Experience translating multiple information sources into clear requirements, including market intelligence, customer feedback, broker or retailer feedback, and internal needs.
- Strong proposition development capability and an understanding of the full product lifecycle.
- The ability to work effectively across commercial, marketing, operations, finance, project, and technology teams.
- Experience working within a regulated credit environment.
- Effective presentation, communication, stakeholder engagement, and influencing skills.
- High attention to detail and consistently high-quality standards.
- Deliver the Property product proposition, including product design, oversight, and the development of new products.
- Monitor existing products, product structures, and pricing requirements throughout the product lifecycle.
- Ensure activity complies with the Bank’s new product, product governance, and monitoring policies and standards.
- Build a strong understanding of the mortgage market, competitive landscape, growth opportunities, innovation, regulatory change, and emerging risks.
- Identify and deliver opportunities to diversify revenue and improve margin.
- Monitor performance forecasting and analytics, working closely with Treasury and Data teams.
- Monitor business and product performance, translating insight into clear actions and recommendations.
- Provide regular reporting on mortgage pricing and performance to senior management.
- Build strong, collaborative relationships with brokers and other key partners.
- Work effectively across Commercial, Marketing, Operations, Finance, Project, and IT teams to turn insight and requirements into deliverable propositions.
About the company
Castle Trust Bank provides savings accounts backed by FSCS protection and uses the money from savings to fund lending solutions. It avoids costly overhead like branches and expensive tech, focusing on transparency and fair treatment of customers. It differentiates itself by offering flexible, asset-aware lending for borrowers with unconventional income (notably buy-to-let investors) and by using the Omni Capital Retail Finance arm to provide point-of-sale finance with retailers through a paperless credit approval system (OmniPort) and a dedicated customer portal. The goal is to offer lending and savings options tailored to customers’ financial situations, underpinned by openness and trust, while growing through responsible lending and flexible financing solutions.
Company Size
51-200
Company Stage
N/A
Total Funding
N/A
Headquarters
London, United Kingdom
Founded
2012
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Simplify's Take
What believers are saying
- Sixth Street and Bayview committed additional capital for deposits, product expansion, and inorganic deals.
- August 2026 pricing cuts and new exit options show aggressive growth in bridging.
- Monument migration should lower operating friction and speed new savings launches by early 2027.
What critics are saying
- Castle Trust posted only £9.4 million profit before tax in financial year 2025.
- Property market weakness and funding cost pressure already constrained 2025 profitability.
- Heavy dependence on specialists and new owners creates integration and execution risk through 2027.
What makes Castle Trust Bank unique
- Sixth Street and Bayview acquired Castle Trust Bank on August 3, 2026.
- The bank serves nearly 170,000 customers across savings, property finance, and retail finance.
- It became the first UK-regulated bank on Monument Technology’s BPaaS, targeting early 2027.
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Benefits
- Health Insurance
- Life Insurance
- Paid Holidays
- Gym Membership
- Commuter Benefits
- Hybrid Work Options
- Performance Bonus
- Season ticket travel loans