lendable - Director of Mortgage Operations
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Requirements
• The must-haves: • Experience: You have 8+ years in mortgage lending, with significant time spent in servicing. You're likely a director or senior leader at a specialist lender, or a senior servicing professional at a major bank. • Regulatory expertise: You have a deep, working knowledge of the MCOB regulatory framework and understand what good looks like under Consumer Duty - particularly in a servicing context where customer outcomes really matter. • Servicing specialism: You've owned complex servicing scenarios end-to-end - arrears, forbearance, default, repossessions - and know how to build processes that are both operationally effective and treat customers fairly. • The ‘Lendable’ mindset: You're low-ego, relentlessly resourceful, and energised by the prospect of building something from the ground up rather than inheriting an established operation. • Regulator interaction: You've engaged directly with the FCA - whether through supervision, authorisations, or governance processes. • Underwriting knowledge: You have enough familiarity with the acquisition side to work effectively with underwriting and credit teams. • Analytical rigour: You're comfortable using data to inform operational decisions and spot problems early. • 2. Cognitive Assessment: A short online assessment. • 3. Interview: 60 minute introductory chat/case study • 4. Case Study: A generic case study to see how you think. • 5. Competency Interview: A deep dive into your experience with MCOB, servicing, and building teams. • 6. Final Stage: A final interview with members of the senior leadership team. • LIFE AT LENDABLE
Responsibilities
• Define policies & procedures: Define and implement all MCOB-compliant policies and procedures for our second charge mortgage product - building the operational foundations from the ground up. • Own the servicing lifecycle: Take full responsibility for the mortgage servicing lifecycle, from post-disbursement through to arrears management, forbearance, and default - always with customer outcomes and Consumer Duty at the centre. • Lead recoveries & repossessions: Establish robust, fair, and effective strategies for high-stakes servicing scenarios, including managing relationships with third-party partners where needed. • Scale with technology: Work with our technology and data teams to automate the heavy lifting, building servicing operations that are as fast and frictionless as the rest of our products. • Build & lead: Work cross-functionally with credit, legal, and compliance teams to ensure a seamless acquisition-to-servicing experience and build out a servicing team as the product scales.
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