Product Owner: Specialist Lending & Commercial Mortgages

Product Owner – Credit & Specialist Lending (Fintech)

£500/day - Inside IR35 - 3-month initial contract. Options to extend or convert to Perm

London / Hybrid & Remote Working (Can be 5 days remote with an option to come to London for client work)

A technology consultancy is building a new agentic lending platform for specialist lenders , designed to automate document ingestion and credit decisioning across highly manual lending workflows. The initial product is already being built by a 15-person engineering team, with commercial mortgage origination and real estate finance drawdowns forming the first two workflows.

They now need someone who genuinely understands how specialist lending works in practice . Someone who knows what happens from broker submission through underwriting and credit approval, but who can translate that knowledge into a technology product.

This is not a Project Manager position. It is about bringing lending expertise into the product team, answering the questions engineers cannot answer themselves and helping determine what should be built next .

Your role

This is a high-impact Product Owner contract sitting between customers, commercial leadership and an offshore development team.

You’ll:

• Own the product thinking around commercial mortgage origination and real estate finance drawdown workflows .
• Translate real-world underwriting processes into user stories, product requirements and workflow decisions.
• Understand the documents, checks, exceptions and approvals required to move a lending application towards a credit decision.
• Work directly with customers and prospects to validate workflows and identify genuine operational pain points.
• Challenge requirements and determine whether proposed features solve a real lending problem.
• Identify additional use cases and help shape what the platform should build next.
• Work across product, commercial and engineering teams to turn lending expertise into a scalable proposition.

What We’re Looking For

• Strong experience within specialist/commercial lending , ideally commercial mortgages or real estate finance.
• A background as an Underwriter, Credit Analyst or lending SME who has subsequently moved towards product, technology or process improvement.
• Deep understanding of lending origination, including broker submissions, borrower due diligence, financial assessment, property documentation and credit approval.
• Ability to understand where manual document review, exceptions and bottlenecks occur and where technology can automate them.
• Product instincts: able to turn domain expertise into workflows, user stories and product decisions.
• Experience building or shaping 0→1 products, propositions or technology-enabled lending processes .
• Confidence working directly with senior stakeholders, customers and development teams.

Why This Role

• Real ownership: become the lending domain authority influencing how the product develops.
• Build, don't just deliver: shape technology addressing genuinely manual areas of specialist lending.
• Customer exposure: work directly with lenders and use market feedback to influence the roadmap.
• Opportunity beyond the MVP: the business already has a backlog of around 25 potential use cases to explore following the initial release.
• London office with remote working offered.

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