At a Glance
- Tasks: Lead credit pricing strategy and influence senior decision-making for customer outcomes.
- Company: Large UK consumer business at the forefront of digital commerce and financial services.
- Benefits: Competitive salary, company bonus, private medical, 30 days holiday, and pension scheme.
- Other info: Join a dynamic team with a focus on data-driven decision making and career growth.
- Why this job: Shape pricing strategies and make a real impact in a growing analytics function.
- Qualifications: Strong experience in credit pricing, stakeholder management, and team leadership.
The predicted salary is between 75000 - 89000 € per year.
This is a high impact leadership role for a senior credit pricing professional who wants to shape how pricing is done at scale. You will step into a newly formed commercial analytics function with the remit to modernise credit pricing, influence senior decision making, and build a clear link between customer outcomes, risk and long term profitability.
The Company
They are a large scale UK consumer business operating at the intersection of digital commerce and regulated financial services. With millions of active customers and a strong focus on flexible payment and credit products, data sits at the heart of how they acquire, retain and support customers. Following recent investment and strong financial performance, they are continuing to invest heavily in analytics, pricing and decision science.
The Role
You will take ownership of credit pricing strategy across customer acquisition and lifecycle pricing, with responsibility for both commercial performance and fair value outcomes. Key responsibilities include:
- Defining and delivering pricing strategies across credit products, balancing growth, risk and customer value
- Owning pricing and fair value governance and representing pricing in senior forums and committees
- Setting and managing valuation frameworks including NPV, IRR and risk adjusted margins
- Using data, forecasting and experimentation to optimise pricing performance
- Translating complex analysis into clear recommendations for senior stakeholders
- Leading and developing a team of analysts and data scientists within a growing commercial analytics function
- Partnering with product, risk, analytics and engineering teams to improve data quality and pricing capability
Your Skills and Experience
- Strong commercial experience within credit, lending or wider financial services pricing
- Deep understanding of unit economics and lifetime value decision making
- Experience designing and interpreting pricing tests and experimentation such as A/B testing
- Ability to build and challenge pricing and cashflow models, even if not hands on day to day
- Confident stakeholder management skills with the ability to influence at senior level
- Proven people leadership experience and a first principles approach to problem solving
- Backgrounds from credit, lending, debt, finance or analytically mature retail environments are all of interest
What They Offer
- Company bonus scheme
- Private medical
- 30 days holiday plus bank holidays
- Pension scheme
Locations
Senior Credit Risk Pricing Manager in Cheshire, Warrington employer: Harnham
As a leading player in the UK consumer market, this company offers an exceptional work environment for a Senior Credit Risk Pricing Manager, where innovation and analytics drive decision-making. With a strong emphasis on employee development, competitive benefits including a company bonus scheme and private medical insurance, and a culture that values collaboration and influence at senior levels, you will have the opportunity to make a significant impact while enjoying a healthy work-life balance in vibrant Liverpool.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Credit Risk Pricing Manager in Cheshire, Warrington
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect on LinkedIn. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by researching the company and its culture. Understand their approach to credit pricing and be ready to discuss how your experience aligns with their goals. Show them you’re not just another candidate!
✨Tip Number 3
Practice your pitch! Be clear about what you bring to the table and how you can help modernise their credit pricing strategies. Confidence is key, so rehearse until it feels natural.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen. Plus, we love seeing candidates who are proactive about their job search.
We think you need these skills to ace Senior Credit Risk Pricing Manager in Cheshire, Warrington
Some tips for your application 🫡
Tailor Your CV:Make sure your CV speaks directly to the role of Senior Credit Risk Pricing Manager. Highlight your experience in credit pricing and any leadership roles you've held. We want to see how your skills align with our needs!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you're passionate about modernising credit pricing and how you can influence decision-making at a senior level. Let us know what makes you the perfect fit for our team.
Showcase Your Analytical Skills:Since data is at the heart of what we do, make sure to highlight your experience with data analysis, forecasting, and experimentation. We’re keen to see how you’ve used these skills to optimise pricing performance in the past.
Apply Through Our Website:We encourage you to apply through our website for a smoother application process. It’s the best way for us to receive your application and get you on our radar quickly!
How to prepare for a job interview at Harnham
✨Know Your Numbers
As a Senior Credit Risk Pricing Manager, you'll need to demonstrate a strong grasp of unit economics and lifetime value. Brush up on your financial metrics and be ready to discuss how you've used data to influence pricing strategies in the past.
✨Showcase Your Leadership Skills
This role involves leading a team of analysts and data scientists, so be prepared to share examples of your leadership experience. Talk about how you've developed teams, managed stakeholders, and influenced decision-making at a senior level.
✨Prepare for Technical Questions
Expect questions around pricing tests and experimentation methods like A/B testing. Be ready to explain your approach to designing and interpreting these tests, and how they’ve impacted pricing strategies in your previous roles.
✨Connect the Dots
The company is looking for someone who can link customer outcomes with risk and profitability. Prepare to discuss how you've successfully balanced these elements in your previous positions, and how you would approach this in the new role.
