Reports to: Head of Mortgage Advice
Location: Hybrid (London office 3 days/week and remote)
🙌 About us
Koodoo operates a leading digital mortgage platform and brokerage, bridging the gap between potential homeowners and their next mortgage solution. We streamline the mortgage process for first-time buyers to experienced remortgagers, facilitating seamless online applications. We also plan to offer our mortgage customers protection products as part of our service. Our collaboration with major UK lenders enhances mortgage product visibility and customer acquisition while powering renowned comparison brands, making us integral in delivering premier mortgage experiences.
Our innovation in AI-driven mortgage solutions sets us apart, highlighted by our milestone of being the first to pass the CeMAP exam using AI. We continue to revolutionise the sector by integrating AI tools in partnership with major lenders and brokers.
🚀 Our mission
We envision a transparent, effortless, and confident mortgage securing experience for everyone. By employing cutting-edge technology and comprehensive insights, we empower consumers on popular comparison platforms and equip lenders with superior technology, driving unparalleled service quality in home financing.
💎 Our Core Values
- We are empowered: If it’s to be, it’s up to me.
- We deliver: We are committed to what we do, determined to succeed, and we obsessively prioritise to achieve our goals.
- We empathise: We listen, we support, we care—for each other, our partners, and customers.
- We are focused: We are clear in our vision and we eliminate distractions.
- We are passionate: We are proud of our work, our product, and our team, and relentless in solving the problems in our industry.
👔 The Role
We’re looking for a talented Lead Protection Adviser to join our growing Advice team. This role will not only deliver tailored protection advice to our mortgage customers but will also take the lead in structuring, refining, and building our protection advice process. You will play a pivotal role in ensuring that customers receive high-quality, compliant, and customer-centric protection solutions while helping us shape the way protection advice is delivered at Koodoo.
📲 Your Responsibilities
Customer Advice
- Deliver tailored, compliant advice by assessing clients’ personal, financial, and protection needs, ensuring recommendations are suitable and in line with FCA/TCF standards.
- Analyse and recommend protection solutions to fill gaps in cover and safeguard clients’ financial wellbeing.
- Maintain strong product and market knowledge, comparing providers to secure competitive and appropriate options for clients.
- Manage applications post-submission, including liaising with providers, and obtaining medical evidence etc.
Process Development
- Lead on structuring and building the end-to-end protection advice process.
- Work with the Head of Advice and the wider team to design scalable frameworks that ensure efficiency, compliance, and customer satisfaction.
- Identify opportunities to integrate technology and automation into the protection advice journey.
- Create and monitor KPIs for protection performance, including penetration rates, conversion ratios, and persistency.
Collaboration
- Partner closely with Mortgage Advisers to ensure seamless customer handover from mortgage to protection discussions.
- Share insights and feedback with internal stakeholders to improve systems, products, and customer journeys.
- Support the training and mentoring of new team members with Compliance as the protection advice team grows.
- Drive business growth by achieving protection sales targets, managing pipelines effectively, and ensuring high case conversion and persistency rates.
🎯 What You’ll Need
Essential:
- 3+ years’ experience as a Protection Adviser (or similar role) with a strong track record in sales and end-to-end case management.
- In-depth knowledge of protection products, underwriting requirements, provider processes, and compliance with FCA standards.
- Proven ability to design, implement, and optimise sales processes while managing pipeline and case progression independently.
- Excellent client communication skills, including clear advice delivery, objection handling, and relationship building.
- Organised and detail-focused, with strong risk awareness and ideally holding (or working towards) RO5 Financial Protection or equivalent.
Nice to have:
- Experience working in a start-up or high-growth environment.
- Previous experience in a lead or supervisory role, supporting the development of advisers or junior staff.
- Background in building or refining sales processes within a financial services environment.
- Familiarity with mortgage protection integration and working closely with mortgage advisers.
- Experience working with CRM/case management systems to track and optimise performance.
🥳 What We Can Offer You
- The opportunity to own and build the voice of an ambitious fintech brand.
- A collaborative, fun, and forward-thinking environment.
- 25 days annual leave, plus your birthday off.
- Life assurance and pension scheme.
- A chance to work with and learn from some of the most innovative teams in the Blenheim Chalcot portfolio.
- A competitive salary of £42k-£48k base depending on experience and qualifications. In addition, this role includes a performance-linked bonus structure.
