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 significant impact in a strategic role with high visibility across leadership.
- Qualifications: Experience in credit pricing, strong analytical skills, and team management experience.
The predicted salary is between 80000 - 90000 € per year.
£80,000-£90,000 + 20% Bonus
Remote in the UK
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’ll 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’ll 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 Portsmouth employer: Harnham
As a leading digital retailer and financial services provider in the UK, this company offers an exceptional work environment for the Senior Credit Pricing Manager role. With a strong focus on employee growth, a flexible hybrid working model, and a generous benefits package including a 20% bonus and a £6,500 flexible benefits allowance, employees are empowered to thrive both professionally and personally. The company's commitment to innovation and analytics within a rapidly evolving commercial landscape makes it an exciting place to build a meaningful career.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Credit Pricing Manager in Portsmouth
✨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 what you bring to the table, especially your experience in credit pricing and analytics. Tailor your message to highlight how you can help build their new pricing capability.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, it shows you’re serious about joining the team and ready to contribute to their exciting growth in financial services.
We think you need these skills to ace Senior Credit Pricing Manager in Portsmouth
Some tips for your application 🫡
Tailor Your CV:Make sure your CV speaks directly to the role of Senior Credit Pricing Manager. Highlight your experience in credit pricing and analytics, and don’t forget to mention any leadership roles you've had. We want to see how you can bring your unique skills to our team!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to tell us why you're passionate about this role and how your background aligns with our needs. Be sure to mention your understanding of credit economics and your experience with A/B testing – we love that stuff!
Showcase Your Achievements:When detailing your past roles, focus on specific achievements that demonstrate your impact. Whether it’s improving pricing strategies or leading a successful project, we want to know how you’ve made a difference in your previous positions.
Apply Through Our Website:We encourage you to apply through our website for a smoother application process. It helps us keep track of your application and ensures you’re considered for this exciting opportunity. Don’t miss out on joining our dynamic team!
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 these metrics influence pricing strategies and customer outcomes.
✨Showcase Your Leadership Skills
This role involves managing a team of analysts and data scientists. Prepare examples of your past leadership experiences, focusing on how you've guided teams through complex projects or decisions. Highlight your ability to foster collaboration across departments.
✨Understand the Market Landscape
Familiarise yourself with the current trends in credit pricing and embedded finance. Be prepared to discuss how you would approach building a sophisticated pricing capability in a competitive market. This shows you're not just knowledgeable but also forward-thinking.
✨Prepare for Scenario Questions
Expect questions that assess your problem-solving skills, especially around A/B testing and pricing optimisation. Think of specific scenarios where you've successfully implemented pricing strategies or made data-driven decisions that improved profitability.
