Nationwide
Head of Unsecured Lending Products - Business Banking
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Head of Unsecured Lending Products
The Head of Unsecured Lending Products is accountable for the end-to-end strategy, development, commercial performance, governance and transformation of the Business Banking unsecured lending portfolio, including overdrafts, credit cards, term lending and revolving credit. The role will shape a best-in-class proposition that captures the significant SME and commercial lending opportunity by combining strong customer insight, disciplined risk and pricing management, digital-first journeys, responsible growth, and Nationwide’s mutual purpose to deliver fair, transparent and sustainable outcomes for customers and members.
The Head of Unsecured Lending Products will play a pivotal role in building and scaling a core growth engine for the Business Banking function. This is a rare opportunity to create a modern, differentiated unsecured lending proposition within a full-service mutual business banking function—helping UK SMEs access the finance they need to manage cash flow, invest with confidence and grow sustainably.
Role Overview
Reporting to the Director of Group Business Products, the role will lead the product strategy, roadmap and transformation of unsecured lending, ensuring our propositions are simple to access, commercially attractive, operationally scalable, well controlled and aligned to customer need, risk appetite, Consumer Duty and regulatory expectations.
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As Business Banking evolves, we are looking for an inspiring unsecured lending leader with deep SME lending experience, strong commercial judgement and the ability to build propositions that compete with the best in the market while staying true to Nationwide’s member-first purpose.
Key Responsibilities
- Lead the development of market-relevant lending products that help businesses finance growth, smooth working capital, respond to trading cycles and access finance at the point of need through efficient, data-led and relationship-enabled journeys.
- Own the full lifecycle from market and customer insight through to proposition design, credit policy input, pricing, digital journey design, distribution, launch, portfolio optimisation, customer outcomes, controls and ongoing performance management.
Hybrid Working
At Nationwide we offer hybrid working wherever possible. More rewarding relationships are supported through our hybrid approach, bringing colleagues together across our UK wide estate, whilst also supporting generous access to home working. We value our time in the office to solve problems, to learn, and to feel connected.
For this job you'll spend at least two days per week, or if part time you'll spend 40% of your working time, based at either our Glasgow, London or Northampton office. If you’re based at our Glasgow office, this will apply from 1 April 2027 and ahead of that there will be a need to regularly connect with colleagues for collaboration events. Alternatively, you'll be located at our Edinburgh hub. There will be a need to regularly connect with colleagues for collaboration events, this is expected to be weekly in Edinburgh. If your application is successful, your hiring manager will provide further details on how this works. You can also find out more about our approach to hybrid working here.
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About Nationwide
Virgin Money is now part of Nationwide
Nationwide acquired Virgin Money in October 2024. Virgin Money continues to serve customers on the high street, and there will be a phased and considered integration over the coming years.
You’ll be employed by Nationwide from day one, delivering real impact and benefitting from a highly competitive range of benefits. We’re a workplace where you’re rewarded, recognised and celebrated.
Apply Now
If we receive a high volume of relevant applications, we may close the advert earlier than the advertised date, so please apply as soon as you can.
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