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 employer: Harnham
As a leading player in the UK consumer finance sector, this company offers an exceptional work environment for a Senior Credit Risk Pricing Manager. With a strong emphasis on employee growth and development, you will have the opportunity to lead a dynamic team while shaping innovative pricing strategies that directly impact customer outcomes and business profitability. The company's commitment to modernising analytics and decision science, combined with a generous benefits package including a company bonus scheme, private medical insurance, and 30 days of holiday, makes it an attractive employer for those seeking meaningful and rewarding careers in Liverpool.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Credit Risk Pricing Manager
✨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 introducing yourself. You never know who might have the inside scoop on job openings!
✨Tip Number 2
Prepare for interviews by brushing up on your knowledge of credit pricing strategies and analytics. Be ready to discuss how you can influence decision-making and improve customer outcomes. Show them you’re not just a fit for the role, but the perfect match!
✨Tip Number 3
Don’t forget to showcase your leadership skills! Talk about your experience managing teams and driving results. Highlight specific examples where you’ve made an impact in previous roles, especially in commercial performance and fair value outcomes.
✨Tip Number 4
Apply through our website! It’s the best way to ensure your application gets seen. Plus, we love seeing candidates who are proactive and engaged. Let’s get you one step closer to that Senior Credit Risk Pricing Manager role!
We think you need these skills to ace Senior Credit Risk Pricing Manager
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 love seeing 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 helps us keep track of your application and ensures you don’t miss out on any important updates from us!
How to prepare for a job interview at Harnham
✨Know Your Numbers
As a Senior Credit Risk 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 influence pricing strategies.
✨Showcase Your Leadership Skills
This role involves leading a team of analysts and data scientists, so highlight your people management experience. Share specific examples of how you've developed teams or influenced senior stakeholders in previous positions.
✨Prepare for Data-Driven Discussions
Since data is at the heart of this role, be prepared to talk about your experience with data analysis and experimentation. Discuss any A/B testing you've conducted and how it impacted pricing decisions, showcasing your analytical mindset.
✨Understand the Business Landscape
Familiarise yourself with the company's position in the market, especially regarding digital commerce and financial services. Being able to connect your expertise in credit pricing with their business goals will demonstrate your strategic thinking and alignment with their vision.
