At a Glance
- Tasks: Develop and implement innovative pricing strategies for financial services credit products.
- Company: Join EXL, a global leader in data and AI solutions.
- Benefits: Competitive salary, bonuses, private healthcare, and flexible hybrid working.
- Other info: Opportunities for professional development and a commitment to diversity.
- Why this job: Make a real impact on pricing strategies while collaborating with industry experts.
- Qualifications: 6-9 years of experience in credit pricing, SQL, and Python required.
The predicted salary is between 60000 - 80000 £ per year.
EXL (NASDAQ: EXLS) is a global data and artificial intelligence ("AI") company that offers services and solutions to reinvent client business models, drive better outcomes and unlock growth with speed. EXL harnesses the power of data, AI, and deep industry knowledge to transform businesses, including the world’s leading corporations in industries including insurance, healthcare, banking and financial services, media and retail, among others. EXL was founded in 1999 with the core values of innovation, collaboration, excellence, integrity and respect. We are headquartered in New York and have more than 60,000 employees spanning six continents.
The Credit Pricing Manager will be responsible for the hands-on development and delivery of pricing strategies across the Financial Services credit portfolio, including revolving accounts, instalments and card products. This is a delivery-focused role requiring strong practical experience in credit pricing, SQL, Python, analytical modelling, forecasting and performance tracking.
The role will use advanced analytics to optimise revenue, margin and customer value while maintaining effective risk controls, fair customer outcomes and regulatory compliance. Working closely with senior leadership and teams across Credit Risk, Product, Finance, Analytics and Engineering, the Credit Risk Manager will translate complex data into clear recommendations and deliver measurable pricing improvements. Experience within banking, insurance, retail finance or a retailer offering credit products is required.
As part of your duties, you will be responsible for:
- Develop and implement pricing strategies across revolving accounts, instalments, card portfolios and other Financial Services credit products.
- Take a hands-on role in credit pricing, using SQL and Python to conduct analysis, build models and deliver pricing improvements.
- Build and manage advanced analytical models for credit pricing, cashflow modelling, forecasting, customer valuation and portfolio performance.
- Define, calculate and monitor key valuation measures, including Net Present Value, Internal Rate of Return and risk-adjusted margins.
- Conduct pricing and fair value assessments to ensure competitive pricing, fair customer outcomes and regulatory compliance.
- Develop clear risk management frameworks for pricing strategies and testing, including defined controls, performance measures and actionable tracking.
- Deliver actionable insights and recommendations to optimise revenue, margin, customer value and overall portfolio performance.
- Design and implement automated reporting and dashboards to provide timely visibility of pricing, risk and commercial performance.
- Lead A/B testing and controlled experimentation to evaluate the customer, commercial and risk impact of pricing initiatives.
- Represent credit pricing at relevant governance forums, including Customer, Product and Credit Risk committees.
- Act as a strategic partner to senior leadership, translating complex data and modelling outputs into clear commercial recommendations.
- Collaborate with Credit Risk, Product, Commercial, Finance, Analytics and Engineering teams to deliver pricing initiatives and strengthen analytical capabilities.
- Improve data infrastructure, analytical processes and governance supporting credit pricing decisions.
- Maintain the accuracy, integrity and consistency of data across all pricing models, reports, dashboards and analytical outputs.
- Monitor credit product and portfolio performance, identifying emerging risks, trends and opportunities for improvement.
- Lead and develop Pricing Managers and Junior Analysts while remaining actively involved in hands-on analytical delivery.
- Manage team recruitment, performance, absence, reward decisions and professional development.
Qualifications and experience we consider to be essential for the role:
- Strong hands-on experience using SQL and Python to analyse data, build pricing models and deliver commercial outcomes.
- Essential experience in credit pricing, with a strong understanding of pricing strategies, credit risk and portfolio performance optimisation.
- Experience developing complex unit-level cashflow models for credit products.
- Strong knowledge of customer valuation and pricing measures, including NPV, IRR and risk-adjusted margins.
- Hands-on experience developing incrementality models, attribution models and advanced forecasting solutions.
- Experience working with revolving credit accounts, instalment products, card portfolios or retail finance products.
- Financial Services experience gained within banking, insurance, consumer credit or retail businesses offering credit products.
- Proficiency in BI and data visualisation platforms, such as Power BI or Tableau.
- Deep understanding of revenue management, fair value assessments, regulatory requirements and risk management within credit pricing.
- Strong commercial acumen, with experience influencing revenue, margin and P&L performance.
- Proven ability to translate complex data into clear, actionable recommendations for senior and non-technical stakeholders.
- Experience collaborating with Credit Risk, Product, Commercial, Finance, Analytics and Engineering teams.
- Proven ability to lead and develop analytical or pricing teams while remaining actively involved in hands-on delivery.
- Excellent communication, stakeholder management and presentation skills.
- Experience working within a marketplace or platform-based environment would be advantageous.
As part of a leading global analytics and digital solutions company, you can look forward to a competitive salary with a generous bonus, private healthcare, critical illness life assurance at 4 x your annual salary, income protection insurance, and a rewarding pension.
EXL provides everyday financial well-being solutions, such as cash back cards, in which you can earn cashback while enjoying discounts, promotions, and offers from top retailers. We also offer a Cycle Scheme where you can save money on bikes and cycling accessories.
At EXL, we are committed to providing our employees with the tools and resources they need to succeed and excel in their careers. We offer a wide range of professional and personal development opportunities. We also support a range of learning initiatives that allow our employees to build on their existing skills and knowledge. From online courses to seminars and workshops, our employees can enhance their skills and stay up to date with the latest trends and technologies.
As an Equal Opportunity Employer, EXL is committed to diversity. Our company does not discriminate based on race, religion, colour, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, age, or disability status.
EXL employees are eligible to purchase stock as part of our Employee Stock Purchase Plan (ESPP). At EXL, we offer a flexible hybrid working model that allows employees to live a balanced, healthy lifestyle while strengthening our culture of collaboration.
To be considered for this role, you must already be eligible to work in the United Kingdom.
Qualifications: Bachelor Degree in relevant field with 6-8 years of relevant experience.
Credit Pricing Manager in London employer: exl
EXL is an excellent employer that fosters a collaborative and innovative work culture in the heart of London. With a strong emphasis on employee growth, we offer numerous opportunities for professional development and skill enhancement, particularly in the dynamic field of data analytics and insurance. Our commitment to work-life balance and a supportive environment makes EXL a rewarding place to build a meaningful career.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Pricing Manager in London
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like exl. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Credit Pricing Manager in London
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to exl.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on exl's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at exl
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with exl.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at exl will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former exl employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
