Atom Bank • Durham/Hybrid/Remote

Product Analyst - Lending

Employment type:  Full time
Salary:  £30000 - £32000 per annum

Remote-first – Occasional visits to Durham office

A little flex time

Apply now

Job Description

What’s it all about?

The Commercial team is made up of Mortgages, Business Lending, Savings and Payments and is supported by the Intermediary team who develop Atom’s product sales capability and manage many relationships with brokers and other third parties, Brand and Experience and PR.

The Product team develops the end of end customer experience through using insight and intelligence to drive the design and development of propositions and products that are delivered digitally. Atom’s approach is highly customer orientated, with an emphasis on transparency, fairness, and value. The team ensure customer insight and feedback informs decisions, alongside wider market dynamics in the core objective of Atom’s products being differentiated and ahead of the market. The team monitor/manage the trading performance of the product range daily which requires, the production of insightful management information, a strong understanding of competitor activity and the value drivers of profitable lending.

The Lending Product Analyst is responsible for supporting delivery of all aspects of the mortgages proposition – product design, pricing, customer journeys and core processes, regulatory and compliance adherence, Treating Customers Fairly (TCF) and risk management.

What will your ‘typical’ day look like…. (Different that’s for sure):

  • Assist in managing the product range / product pricing to deliver strategic objectives
  • Monitor the external market, including competitor behaviour and performance, to inform the need to amend product pricing
  • Understand and develop management information covering external and internal performance metrics so management understand performance and make timely decisions
  • Assist with Pricing Committee, ALCo recommendations and reporting requirements
  • Support and inform the proposition design and product development for strategic initiatives and the enhancement of products.
  • Support the optimisation product level customer journeys and supporting processes
  • Collaborate with a variety of stakeholders to achieve the business strategies and plans
  • Analyse and help to resolve the root causes of adverse performance across commercial, customer or conduct disciplines
  • Proactively support the management/escalation of key risks alongside relevant stakeholders.
  • Ensure continued high performance within the wider team in assisting others with their duties when required or providing cover when required.
  • Ensure customer insight and feedback informs decisions, alongside wider market dynamics in the core objective to create propositions that are differentiated or ahead of the market.
  • Participate in and contribute to working groups and project delivery forums.

What do we need from you?

  • Analytical mind and ability to simplify and explain complex concepts
  • Strong education record with a solid degree would be desirable.
  • Highly numerate and articulate
  • Ability to learn and digest large quantities of information quickly
  • Ability to manage numerous tasks concurrently and produce high quality work at speed in a changing environment
  • Demonstrable customer research/insight experience

Company benefits

Open to part-time employees
Open to job sharing
Open to compressed hours
4-day week
Enhanced maternity leave
Enhanced paternity leave
Adoption leave
Shared parental leave
22.5 days annual leave + bank holidays
Teambuilding days

We asked employees of Atom Bank how satisfied they were with flexible working, and this is what they told us

Employees are very happy with their working location freedom
Employees are very happy with the flexibility in the hours they work
Employees are largely happy with the benefits their company offers
Work-life balance
Employees feel that they can switch off quite easily from work
Role modelling
Employees feel that most people work flexibly
Employees feel they have complete autonomy over getting their work done
Working at Atom Bank

Company employees


Gender diversity (male:female)


Office locations

Durham & London

Funding levels

What employees are saying

"We have a four day working week that has transformed my home life. In particular the flexibility I now have to support my youngest daughter. I have been able to support her more with school activities and just generally taking her to school on my non working day already, than I was ever able to with my eldest daughter"

Atom Bank Employee