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 growing analytics function with excellent career development opportunities.
- Why this job: Shape pricing strategies and make a real impact on customer value and profitability.
- 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
Senior Credit Risk Pricing Manager in Liverpool employer: Harnham
As a leading player in the UK consumer finance sector, this company offers an exceptional work environment for professionals looking to make a significant impact in credit risk pricing. With a strong emphasis on employee development, a collaborative culture, and generous benefits including a company bonus scheme and private medical insurance, you will thrive in a role that not only challenges you but also rewards your contributions. Located in Liverpool, you will be part of a dynamic team dedicated to modernising credit pricing and enhancing customer outcomes, all while enjoying a healthy work-life balance with 30 days of holiday plus bank holidays.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Credit Risk Pricing Manager in Liverpool
✨Tip Number 1
Network like a pro! Reach out to connections in the credit risk and pricing space. Attend industry events or webinars, and don’t be shy about asking for informational interviews. We all know that sometimes it’s not just what you know, but who you know!
✨Tip Number 2
Prepare for those interviews by brushing up on your data analysis skills. Be ready to discuss how you’ve used data to influence pricing strategies in the past. We want to see you shine when it comes to translating complex analysis into actionable insights!
✨Tip Number 3
Showcase your leadership experience! Think of examples where you’ve led teams or influenced senior stakeholders. We’re looking for someone who can not only manage but inspire others in the commercial analytics function.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets the attention it deserves. Plus, we love seeing candidates who are proactive and engaged with our company.
We think you need these skills to ace Senior Credit Risk Pricing Manager in Liverpool
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 analytics, and don’t forget to showcase any leadership roles you've had. We want to see how you can shape pricing strategies!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you're the perfect fit for this high-impact role. Share specific examples of how you've influenced decision-making and improved pricing strategies in the past. We love a good story!
Showcase Your Analytical Skills:Since data is at the heart of what we do, make sure to highlight your analytical skills. Talk about your experience with pricing tests, forecasting, and how you've used data to drive decisions. We’re looking for someone who can translate complex analysis into clear recommendations!
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 keep track of your application and ensure it gets the attention it deserves. Plus, it shows you’re keen on joining our team!
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 key metrics like NPV and IRR, and be ready to discuss how you've used these in past roles to influence pricing strategies.
✨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.
✨Be Data-Driven
Since data is at the heart of this role, come equipped with examples of how you've used data to optimise pricing performance. Discuss any A/B testing or experimentation you've conducted, and how those results shaped your pricing strategies.
✨Translate Complexity into Clarity
You'll need to communicate complex analyses to senior stakeholders. Practice explaining your past projects in simple terms, focusing on the impact of your recommendations on customer outcomes and profitability.
