At a Glance
- Tasks: Lead the development of innovative credit pricing strategies and manage a dynamic team.
- Company: Join one of the UK's largest digital retailers and financial services providers.
- Benefits: Competitive salary, 20% bonus, flexible benefits, and generous holiday allowance.
- Other info: Flexible hybrid working model with excellent career growth opportunities.
- Why this job: Make a real impact in a strategic role with high visibility across leadership.
- Qualifications: Experience in credit pricing and strong analytical skills required.
The predicted salary is between 80000 - 90000 £ per year.
Harnham are exclusively partnered with a major UK digital retailer and financial services business to hire a Senior Credit Pricing Manager into a newly created leadership role; this is a rare opportunity to build out a more sophisticated pricing capability in a business with millions of customers, a large-scale credit proposition, and huge investment into analytics, commercial decisioning, and financial services growth.
THE COMPANY
This business is one of the UK's largest digital retailers and embedded finance providers, operating at serious scale across ecommerce and financial services; with millions of active customers, billions in annual revenue, and a newly strengthened investment position following private equity backing, they are continuing to scale both their commercial and analytics capabilities. Their financial services arm sits at the heart of the customer proposition, offering flexible payment products including instalments, revolving credit, and BNPL-style products; this creates a rich environment for analytics professionals working across pricing, risk, customer lifetime value, and experimentation. This role sits within a newly evolving Commercial Analytics function, where pricing is being elevated from a more traditional credit risk setup into a commercially focused analytics team.
THE ROLE
As Senior Credit Pricing Manager, you will lead the build-out of a new credit pricing capability focused on acquisition pricing, customer lifecycle pricing, and broader pricing strategy across multiple lending products. You will manage a team of analysts and data scientists while owning pricing strategy across products including revolving credit, instalments, and embedded finance solutions.
Key responsibilities include:
- Defining pricing strategies across lending products, balancing profitability, customer outcomes, and regulation
- Owning fair value governance and representing pricing in senior forums and committees
- Setting valuation methodologies including NPV, IRR, and risk-adjusted margin frameworks
- Designing and interpreting A/B tests to assess pricing changes and elasticity
- Driving commercial decisions around lifetime value, unit economics, and pricing optimisation
- Partnering with analytics, product, compliance, engineering, and credit risk stakeholders
- Building a more advanced, commercially driven pricing function within financial services
This is a highly strategic role with strong visibility across senior leadership.
YOUR SKILLS & EXPERIENCE
The ideal candidate will have:
- Strong experience within credit pricing, lending analytics, credit risk, insurance pricing, or adjacent FS pricing environments
- Deep understanding of credit economics, unit economics, and customer lifetime value decisioning
- Experience using experimentation / A/B testing frameworks to inform pricing decisions
- Knowledge of complex financial products including revolving credit, instalments, cards, or embedded finance
- Prior management or leadership experience
- Strong commercial judgement and stakeholder management skills
Nice to have:
- SQL / Python knowledge (not essential to be hands-on)
- Experience in model governance, forecasting, or cashflow modelling
- Background in fintech, insurance, debt purchasing, or regulated financial services
THE BENEFITS
- £80,000-£90,000
- 20% annual bonus
- £6,500 flexible benefits allowance (can be used towards salary uplift or benefits)
- 30 days holiday + bank holidays
- Flexible hybrid model (ideally 2–3 days in office in Merseyside, however highly negotiable patterns for the right person)
HOW TO APPLY
Please register your interest by sending your CV to Adam Osborne at Harnham via the Apply link on this page.
Senior Credit Pricing Manager in Newcastle upon Tyne employer: Harnham
As a leading digital retailer and financial services provider in the UK, this company offers an exceptional work environment characterised by innovation and growth. Employees benefit from a competitive salary, a generous bonus structure, and a flexible hybrid working model, fostering a culture that values work-life balance and professional development. With significant investment in analytics and commercial capabilities, team members have unique opportunities to shape the future of pricing strategies within a dynamic and supportive setting.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Credit Pricing Manager in Newcastle upon Tyne
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend relevant events, and connect with potential colleagues 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 products. Understand their pricing strategies and be ready to discuss how your experience aligns with their goals. Show them you’re not just another candidate, but someone who truly gets their business.
✨Tip Number 3
Practice your pitch! Be clear about your achievements and how they relate to the role of Senior Credit Pricing Manager. Use specific examples that highlight your skills in credit pricing and analytics to make a lasting impression.
✨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 take the initiative to engage directly with us.
We think you need these skills to ace Senior Credit Pricing Manager in Newcastle upon Tyne
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Senior Credit Pricing Manager role. 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 bring value to our team!
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 role. Talk about your understanding of credit economics and how you’ve successfully managed teams in the past. We love a good story!
Showcase Your Analytical Skills:Since this role is all about building a sophisticated pricing capability, make sure to highlight your analytical skills. Mention any experience with A/B testing or pricing strategies that have led to successful outcomes. We’re keen on data-driven decision-making!
Apply Through Our Website:Don’t forget to apply through our website! It’s the best way for us to receive your application and ensures you’re considered for the role. We can’t wait to see what you bring to the table!
How to prepare for a job interview at Harnham
✨Know Your Numbers
As a Senior Credit Pricing Manager, you'll need to be comfortable with financial metrics. Brush up on key concepts like NPV, IRR, and risk-adjusted margins. Be ready to discuss how you've used these in past roles to drive pricing strategies.
✨Showcase Your Leadership Skills
This role involves managing a team of analysts and data scientists. Prepare examples of how you've successfully led teams in the past, focusing on your approach to mentoring and developing talent within your team.
✨Understand the Business Landscape
Familiarise yourself with the company's position in the digital retail and financial services market. Be prepared to discuss how you can contribute to their growth and what innovative pricing strategies you would implement.
✨Prepare for Technical Questions
Expect questions around A/B testing and pricing optimisation. Have specific examples ready that demonstrate your experience with experimentation frameworks and how they informed your pricing decisions.
