Jonathan Manton Email & Phone Number

Was tasked by the Managing Director with transforming an ailing product and proposition department for retail mortgages.In a tightly restricted timescale, I designed and implemented the delivery of a data-driven reliable, transparent and insightful platform, whilst regaining the trust of the executive in the outputs and outcomes of the product development and governance processes. Key deliverables:• Maintained lending volumes throughout the rapidly changing operational and market difficulties during the COVID pandemic; supporting Pepper Money to lead the way in the specialist market, leveraged when debt capital markets normalised.• Delivered the strategic re-shaping of the lender’s proposition and pricing.• Developed a new Shared Ownership mortgages proposition and product range, sourcing broker partners to help build the proposition and presenting to housing associations the benefits of a specialist partner, with Pepper Money now presenting as the go to Shared Ownership specialist lender.• Redefined Executive Level market analysis, by embedding Power BI as the go to MI/BI platform and showcased the systems capability as an internal and ringfenced external reporting platform• Automated the extrapolation of information from third party data sources for forward forecasting of business volume through broker sentiment and searches presented as real time accessible data to the Executive• Championed Automated Valuation Modelling as a standard process in specialist mortgages, an industry first by Pepper, reducing the Application to Offer time by several days. • Implemented Pepper’s Help to Buy product range, managing key funder stakeholders, and all internal sign off• Relationship manager for Valuations, Product Aggregation, Criteria Aggregation and Affordability Aggregation partners• Day to day management and mentoring of 5 direct reports

Uxbridge

Recruited by the UK Managing Director of Lending for a role to develop the infrastructure, reporting and processes required for the UK Mortgages Division of the group to meet its Lending aspirations.Latterly managing a team of business analysts in supporting the company to realise its ambition to become a PRA-regulated bank.Key deliverables:Banking Programme• Lead BA across Pepper Money and its sister company Pepper UK in thematic capability mapping; a document later to be used in a group wide Target Operating Model.• Lead BA in defining Pepper Moneys Target Operating Model including the integration of a recently purchased second charge company; Optimum Credit.• Lead BA for the High-Level Design and later Solution design to set out and replay consolidated programme requirements to Executive Sponsors using hybrid pictographic architecture and process diagrams which illustrated the high-level end-to -end processes; the systems used; and the data flow between systems and the Data Warehouse.Business Upscaling and Origination Platform Implementation Project• Was seconded to Pepper’s Australian business as UK Lead BA and Product Owner for an implementation of the Salesforce CRM, leveraging an existing Australian solution for the UK and Ireland Mortgage Divisions of the group.• Full End to End mapping of the ‘As-Is’ process, analysing the system and activity based processes of the Origination journey, this included total internal and external touch time to be later utilized in Headcount modelling.• Built real-time self-service BI reporting for the SMT directly from the data warehouse using OLAP cubes.• Lead BA on an Origination re-platforming project from BancTec to DPR, including:o Cross departmental requirements gathering and Target Operating Model definitiono Design, build and securing executive sign off of a new approach to affordabilityo Design and delivery of business readiness documentation and origination procedure guides and manuals

Saffron Walden

Recruited into Saffron Building Society on a self-employed contract basis by the Chief Mortgage Officer, based on his experience of our working together at Aldermore Bank, to revive a stalled transformation project within the Society.I led the Mortgage Servicing workstream to translate the current working practices into the operational design and configuration of a new origination processing platform for the Society’s branch and intermediary introduced mortgage business. Lead BA on requirements gathering., system rules definition and product integration. Through purposeful re-engagement of key stakeholders delivered timely definition, documentation, and sign-off of business requirements and operational design.Created the product ETL to enable the migration of bespoke products onto the new servicing platform allowing for multiple base rate types; ERC profiles and run off curves. As a solution expert on the incoming platform, I also lead test execution and user training in all areas of the mortgage origination and servicing solutions; and provided first-line support and incident management for the initial post go-live period.

Wilmslow/Peterborough

Internal promotion to role of Servicing Manager with day-to-day management of 9 direct reports across multiple sites delivering account servicing for Residential and Commercial Mortgages books. Lead the operational inputs to a number of £100M loan portfolio purchases and subsequent on-boarding process.Presented to BoE and FCA.

Wilmslow

Was recruited as part of the start-up team to build the first new UK mortgage lender to launch following the credit crunch. A varied range of activities carried out in the build phase, supporting the operational design through testing and subsequent launch of the business. Lead underwriter in a specialist team for Large Loans and Family Guarantor applications. Significant role in the development of tools used for underwriting quality audits.

Wilmslow

Wave Lending was a wholly owned subsidiary of Merrill Lynch. My role was to ensure the maintenance of credit quality through QA auditing. I developed a new audit system using a risk-based approach to sampling selection to focus QA efforts on areas of higher risks to the business. I delivered monthly reports on the performance of the underwriting department, and individual writers of business to the subsidiary’s Board.