The Commercial department works closely with the rest of the business, particularly Strategy, Customer and Finance to research, design, create and develop a range of propositions for Atom customers. The team is made up of Mortgages, Business Lending, Savings and Partnerships and is supported by the Intermediary team who develop Atom's product sales capability and manage many relationships with brokers and other third parties. The various teams are also responsible for the ongoing management of the product suite and delivery of corporate business targets, which includes maintaining pricing, profitability and features that drive Atoms competitive positioning.

Corporate Services supports the business across Vendor Management and Procurement, Facilities, and Legal, as well as fulfilling all company secretarial responsibilities. The team provides outstanding and uninterrupted service to Atom suppliers, shareholders, executives and employees.

The Finance team sits at the heart of the bank, with sub-teams of Financial Reporting and Control, Financial Performance and Analysis, Regulatory Reporting and Treasury. They play a key role in planning and managing capital and liquidity, and assessing financial performance. The team will lead the way as we work towards a listing on a public capital market.

The Operations department delivers fantastic customer service. It’s made up of several teams, including Intermediaries, Originations, Customer Support, Operational Effectiveness, Payments, Fraud, Reconciliations and Customer Administration.

The Risk team is made up of Operational Risk, Compliance, Financial Risk and Credit Risk. Our Money Laundering Reporting Officer also sits within this department. Risk is a crucial second line of defence for the bank — it has oversight of the risks associated with running the business and manages them effectively.

The Technology team is made up of Testing, Engineering, DevOps, Change, Service Management, and Architecture. They design, develop and deliver a customer journey that is user-friendly and efficient, ensuring we remain a leader in the fintech space.