Focused on our employees

Commercial Manager
Date Posted: 07 August, 2019
Belmont Green
Role Purpose
Responsible for a variety of tasks to generate value for Belmont Green, helping guide the business through its commercial landscape via the product development roadmap, identification of new market opportunities or trends, and determine the optimal pricing to balance profit with customer/client satisfaction. 
Key Responsibilities

Drive and propose commercial initiatives to promote growth/forward trajectory, generating revenue and sustainable growth. Always consider regulatory, cultural, and customer outcomes in any initiatives.

Book/flow management: manage yields to ensure lifetime return challenges are overcome, and obstacles avoided. Deliver both forward looking and retrospective analytical insight into Belmont Green lending activities. Identify opportunities or potential risks and recommend actions to forums and the product team.

You will be responsible for analysing competitor products, investor reports & propositions to understand their credit and pricing strategies, profit drivers and performance. Able to Identify areas of caution or opportunity.

Good Stakeholder Management, this role will be working closely with the Capital Markets and Credit to understand potential commercial opportunities with funding partners or investors.

Integrate with Product & Sales teams to identify opportunities for profitable growth and help steer the right tactical and strategic priorities for delivery. Ensure outputs of regular external intermediary visits or 3rd party events are fed into Treasury and future proposals. Take additional input from key stakeholders across Treasury, Credit Risk, Finance, and New Lending Operations.

Help the business understand the opportunities, segments, size and profitability within the markets that BGFL operates in (or may wish to operate), utilising research where appropriate.

Play an active role in determining our retention strategy with key stakeholders (Credit Risk/Treasury/Operations/Customer Management/Sales & Marketing).

Develop frameworks to allow for consistent proposals (including comparisons/analytics/ segmentation/intermediary share of market), and broader analysis packs on the wider market (e.g. including prime, challenger banks, building societies, housebuilders etc).

Knowledge & Experience

Market knowledge - Understand the specialist market and its segmentations in detail. This should be through experience and analysis in the space.

Product, Analytics and Portfolio Management - The ability to feel comfortable with detailed behavioural analysis of the mortgage book or opportunities. With the overriding theme of protecting and generating yield. This should include detailed analysis of market competitors’ products and Vida’s own products and the impact on volume via pricing and credit risk and understanding interest and swap path movement is also critical.

Research and Development - The ability to analyse and understand the specialist mortgage market to predict and direct new product development. The candidate may have a preference for modelling and statistical techniques (hence the analyst option in the job title), which will be a benefit to help drive business cases or identify quick opportunities.

Communication - Strong ability to communicate clear, concise, compelling product proposals to senior colleagues and shareholders in a way that gives them confidence and garners their support for key initiatives.


* Competitive Salary

* Holidays starting at 25 Days (increasing each year of service up to 28 Days)

* Private Healthcare (Currently with Vitality)

* Life Assurance (4 x Basic Salary)

* Pension Scheme (Employer contributes up to 10%)

* Free Car Parking

* Annual Bonus Scheme

* Subsidised local amenities in Staines

* Employee Recognition Scheme linked to our Company Values

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