Head of Delivery - Lending Value Stream

• Join Atom bank as Head of Delivery for the Lending Value Stream, working hybrid from Newcastle. • Own all technology change across Residential Mortgages and Commercial Lending. • Lead multidisciplinary teams of Delivery Managers, Architects, Software Engineers, BAs and SDETs. • Steer the migration of Atom’s core lending engine onto Thought Machine’s cloud-native platform over 24 months. • Shift the delivery mix from vendor-assisted to more in-house custom engineering. • Focus on flow, systems thinking and predictable execution rather than dogmatic Agile.

• Bring significant experience leading a large technology delivery area in a fast-paced environment. • Show a track record of delivering complex, multi-year change programmes. • Understand modern, scalable, cloud-native architectures deeply. • Apply systems thinking, flow metrics, Lean and modern software delivery principles. • Bring hands-on experience managing major SaaS vendor partnerships alongside in-house engineering teams. • Communicate with the confidence and credibility to reassure ExCo and Board members. • Live near or travel regularly to the Newcastle office. • Hold the legal right to work in the UK, as visa sponsorship isn’t available.

• Bring experience migrating core banking, payments or lending platforms. • Show domain knowledge in Residential Mortgages, Commercial Lending or regulated retail banking. • Bring experience with Thought Machine or similar cloud-native core banking platforms. • Show familiarity with IRB and Standardised credit risk model frameworks.

• Lead and grow cross-functional technical teams that build products colleagues and customers love. • Create and run a 24-month technology roadmap with Commercial, Product and Architecture teams. • Lead the core lending engine migration off legacy systems onto Thought Machine. • Act as a trusted technology leader for senior leadership, ExCo and the Board with transparent reporting. • Balance third-party SaaS providers with internal engineering to optimise pace and resilience. • Manage Opex and Capex budgets for the Lending value stream. • Ensure compliance with IRB and Standardised credit risk models, information security and FCA/PRA rules. • Remove workflow bottlenecks and embed CI/CD, automated testing and DevOps practices.

Atom bank is one of the most compelling places to work in UK fintech right now, and not just because of the four-day working week. Atom became profitable for the first time in 2024 and has grown its loan book by 29% to £5.3 billion, while being consistently rated the UK's highest-rated bank by its customers on Trustpilot. The four-day work week is real and established: in November 2021, Atom became the largest company and only bank in the UK to introduce the policy for all employees, genuinely reducing contracted hours from 37.5 to 34 per week with no salary cut, and job applications rose 49% as a result. There is also genuinely no mandatory office attendance, with only around 10% of staff regularly coming in. What really stands out is that Atom has done all of this from Newcastle, building one of the UK's best-loved banks without ever opening a London office. Glassdoor reviewers consistently highlight the brilliant people, the no-blame culture, and the interesting and meaningful work. The main caveat to note is that some employees, particularly at more senior levels, have reported limited progression opportunities as the company matures beyond its early startup phase. But if you want to work somewhere that backs its values with action, a genuinely flexible, people-first bank that is growing sustainably and has a product its customers genuinely love, Atom is hard to beat.

• Earn a salary of up to £120,000 plus a discretionary cash bonus. • Receive an £8,000 car allowance. • Work hybrid in Newcastle on a 4-day week. • Receive a generous pension with up to 13% employer contribution. • Take 22.5 days’ annual leave plus public holidays. • Get private medical insurance, a health cash plan, life insurance and critical illness cover. • Use a £200 yearly “All About Me” fund and join the electric vehicle scheme.

Atom bank is a UK digital bank on a mission to make finance faster, simpler and more human. It has moved away from the traditional banking model to build products that work for customers whenever and wherever they need them. Atom is regulated by the PRA and FCA and is based in the North East of England.