LEAD PRODUCT ANALYST - Core Banking Operations

Guidance notes are shown in grey italics. Delete all guidance before finalising. Every field should be completed; mark N/A where not applicable rather than leaving blank.

• Role identification
  

Job titleCore Banking SMEGrade / level / bandingFunction / divisionTechnologyLocationAll LocationsReports toSenior Platform and Application Support EngineerDirect reportsn/aDate drafted20/08/2026Version / next review
V1.0
20/08/2026
JD owner (line manager)Senior Platform and Application Support EngineerContract typeFTC or Perm

• Role purpose
  

23 sentences: why the role exists and the primary outcome it delivers. Avoid task lists here.
Own the optimisation, configuration, and ongoing development of the Banks core banking platform (Mambu), ensuring it effectively supports lending products, accounting processes, operational workflows, and system integrations. Act as the platform subject matter expert, driving continuous improvement, resolving platform and product issues, implementing best practices, supporting new product development, and ensuring the platform remains aligned with business needs, regulatory requirements, and evolving platform capabilities. Mambu is the Banks primary core banking platform for managing lending products, customer accounts, accounting events, and related operational processes.

• Key responsibilities
  

610 outcome-led statements. Start each with an action verb (lead, drive, deliver, own, manage, collaborate). Focus on outcomes, not activities.

• Own the configuration, administration, and optimisation of the Banks core banking platform, ensuring it remains stable, scalable, and aligned with business requirements.
• Lead the review and remediation of existing platform configurations, accounting structures, product setups, and operational processes, implementing sustainable improvements and best practices.
• Deliver the configuration and launch of new lending products and enhancements, ensuring products meet business, operational, financial, and regulatory requirements.
• Manage and maintain product parameters including interest calculations, fees, repayment schedules, accounting treatments, settlement accounts, liability accounts, and servicing processes.
• Own and maintain platform accounting configurations, including sub-ledger structures, general ledger mappings, reconciliations, and financial controls.
• Investigate, troubleshoot, and resolve platform, product, accounting, and operational issues, conducting root cause analysis and implementing long-term corrective actions.
• Manage and enhance integrations between the core banking platform and internal or third-party systems, ensuring data integrity, operational resilience, and effective exception management.
• Define, document, and improve processes, controls, and procedures relating to product management, platform administration, accounting operations, and customer servicing.
• Advise stakeholders on platform capabilities, product design, operational processes, and industry best practices, supporting effective decision making across the Bank.
• Monitor platform releases, roadmap developments, and emerging capabilities, including Adjustable Interest Rate Products and other new functionality, assessing opportunities to improve the Banks operating model and product offering
• Own the design and delivery of Salesforce solutions that meet business requirements whilst maintaining platform stability, scalability, and performance.
• Risk & regulatory accountabilities
  

State the roles positioning in the three lines of defence, specific control / risk ownership, and conduct expectations. Every role carries some risk accountability.

• Line of defence: First Line of Defence.
• Risk & control ownership: Supports the operation of technology controls relating to infrastructure, access management, system availability, change management and operational resilience.
• Conduct: Always upholds the FCA/PRA Individual Conduct Rules.
• SMCR classification
  

Complete for every role. Most roles are Conduct Rules staff. Certification and SMF fields apply to specific roles only - confirm with Compliance / HR.
Conduct Rules populationYes - Individual Conduct Rules applyCertification FunctionNoSenior Management Function (SMF)N/APrescribed ResponsibilitiesN/A

• Person specification
  

Split criteria into Essential and Desirable. Essential = required to perform the role and used for shortlisting. Keep criteria objective and job-related to support fair, defensible recruitment.
EssentialDesirableQualifications
Degree, professional qualification, or equivalent practical experience in Technology, Finance, Banking, Accounting, or a related discipline.
Evidence of continuous professional development relevant to banking technology, lending platforms, or core banking systems.
Mambu certifications or formal Mambu training.
Professional Qualifications In Accounting, Banking Operations, Or Business Analysis.
Relevant industry certifications relating to financial services, project delivery, or technology platforms.
Experience

• Experience administering, configuring, supporting, or optimising a core banking, lending, servicing, or loan management platform.
• Experience configuring financial products, accounting rules, operational processes, or system workflows within a financial services environment.
• Experience working with accounting structures, reconciliations, ledger mappings, and financial controls.
• Experience identifying process inefficiencies and implementing platform or operational improvements.
• Experience investigating and resolving complex platform, product, or operational issues.
• Experience working with cross-functional stakeholders including Technology, Finance, Operations, Risk, and Product teams.
• Experience supporting platform integrations with internal or third-party systems.
• Experience with Mambu or another modern core banking platform such as Temenos, Thought Machine, Finastra, Sopra Banking, Oracle FLEXCUBE, or similar.
• Experience configuring lending products within a bank, lender, building society, or other regulated financial services organisation.
• Experience with loan servicing, collections, customer servicing, or product operations.
• Experience supporting cloud-based, API-driven platforms.

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• Experience participating in new product launches or major platform transformation programmes.
• Experience within a UK regulated banking or lending environment.
  

Technical skills / knowledge

• Strong understanding of core banking or lending platform configuration and administration.
• Knowledge of lending product structures, interest calculations, repayment schedules, fees, charges, and servicing processes.
• Knowledge of accounting principles, sub-ledger management, general ledger integration, reconciliations, and financial controls.
• Understanding of API-based integrations, data flows, and system interaction patterns.
• Ability to analyse platform issues and perform root cause investigation across technical, operational, and process-related areas.
• Strong process design and documentation skills.
• Knowledge of change management, testing, release management, and platform governance practices.
• Ability to apply platform and operational best practices to improve efficiency, control, and scalability.
• Knowledge of Mambu platform capabilities, configuration, accounting engine, and product setup.
• Knowledge of Adjustable Interest Rate Products and variable-rate lending products.
• Understanding of savings, deposit, settlement, and liability account structures.
• Knowledge of banking integration patterns and event-driven architecture.
• Familiarity with SQL, reporting tools, API testing tools, or integration platforms.
• Understanding of UK banking regulation and operational control frameworks.
• Awareness of emerging trends and developments within core banking and lending technology platforms.
• Competencies & behaviours
  

To be completed against the banks competency framework once finalised (TBC). Reference the relevant competencies and the level (L1-4). Behavioural indicators sit in the framework, not the JD.
Core competencies[To be mapped to competency framework - e.g. Conduct & Integrity, Accountability, Collaboration]Leadership competenciesN/A individual contributor role with no direct reportsTechnical competencies[Function-specific - owned by function head]LevelTBC

• Additional information
  

Capture anything material not covered above.

• Key relationships / stakeholders: Technology Engineering teams, Finance, Operations, Data teams, Information Security, Risk & Compliance functions, Change teams, third-party technology providers.
• Budget / P&L responsibility: N/A
• Travel / other requirements: N/A
  

Core Banking Operations