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- Tasks: Lead pricing strategies for asset management and oversee mortgage product pricing.
- Company: Starling Bank is a disruptive tech bank transforming how people manage their money.
- Benefits: Enjoy 25 days holiday, private medical insurance, and flexible working options.
- Why this job: Join a mission-driven team reshaping banking with a culture of collaboration and innovation.
- Qualifications: Strong experience in product pricing and analytical skills required; leadership experience preferred.
- Other info: This is a 15-month fixed-term contract with opportunities for personal growth.
The predicted salary is between 48000 - 72000 £ per year.
Head of Pricing and Insights (15-month fixed-term contract)
Head of Pricing and Insights (15-month fixed-term contract)
Head of Pricing and Insights (15-month fixed-term contract)
Hello, we\’re Starling. We built a new kind of bank because we knew technology had the power to help people save, spend and manage their money in a new and transformative way. We\’re a fully licensed UK bank with the culture and spirit of a fast-moving, disruptive tech company. We\’re a bank, but better: fairer, easier to use and designed to demystify money for everyone. We employ more than 3,000 people across our London, Southampton, Cardiff and Manchester offices.
We\’re looking for someone to lead the Asset Management Pricing function, primarily responsible for the pricing of inorganic portfolio acquisitions and forward flow opportunities and oversee the pricing of existing subsidiary mortgage products.
You\’ll play a key role in driving profitability and growth through expert pricing strategies and insightful analysis.
You will report into the Commercial Director – Asset Management, and will work closely with 1st and 2nd line Risk teams, Finance and Data teams. Collaboration with other group functions may be required from time to time.
Please note; this is a 15 month fixed term contract.
Responsibilities
- Lead the acquisition pricing process for new portfolios and/or forward flow arrangements, as well as product switch commercials and/or commercial renegotiations with existing partners
- Oversee the pricing of mortgage products offered by our subsidiaries, ensuring alignment with overall Bank strategy, returns targets and market competitiveness
- Lead the development and on-going upkeep of the pricing governance framework for all inorganic lending asset classes across the Bank
- Provide regular product and pricing insights to enable effective management of the portfolio and product governance
- Maintain up-to-date knowledge of regulation and legislation changes, particularly around regulatory capital requirements, which impact the pricing models and the wider portfolios
- Input key lending assumptions into future budgets and business plans, working closely with the wider commercial team and 1st line risk function
- Monitor the P&L for the Asset Management division, along with returns analysis and comparisons to expectations and budget, proactively proposing appropriate actions where appropriate to do so
- Lead and develop a team of high-performing analysts, developing a culture of continuous improvement and analytical care within the team
- Support, where appropriate, the Finance and Treasury teams with EIR and/or CPR analysis and assumptions
- Collaborate effectively with senior management across various departments, including Risk, Data, Finance, Treasury and Legal
Requirements
- Strong experience with either product pricing relating to lending products, or loan portfolio acquisition pricing
- Strong analytical and problem-solving abilities
- Deep understanding of cash flow models and financial models and their underlying assumptions
- Good risk management awareness
- Good understanding of relevant regulatory frameworks, legislation and accounting standards governing lending assets, including (but not limited to) regulatory capital requirements and IFRS9
- Experience in leading a team of analysts within a banking or financial services organisation
- Must be approachable with the ability to build relationships at all levels across the business
- Excellent verbal and written communication skills; you\’ll be writing papers that are shared with our Executive team
Benefits
- 25 days holiday (plus take your public holiday allowance whenever works best for you)
- An extra day\’s holiday for your birthday
- Annual leave is increased with length of service, and you can choose to buy or sell up to five extra days off
- 16 hours paid volunteering time a year
- Salary sacrifice, company enhanced pension scheme
- Life insurance at 4x your salary
- Private Medical Insurance with VitalityHealth including mental health support and cancer care. Partner benefits include discounts with Waitrose, Mr&Mrs Smith and Peloton
- Generous family-friendly policies
- Perkbox membership giving access to retail discounts, a wellness platform for physical and mental health, and weekly free and boosted perks
- Access to initiatives like Cycle to Work and Salary Sacrificed Gym partnerships
About Us
You may be put off applying for a role because you don\’t tick every box. Forget that! While we can\’t accommodate every flexible working request, we\’re always open to discussion. So, if you\’re excited about working with us, but aren\’t sure if you\’re 100% there yet, get in touch anyway.
We\’re on a mission to radically reshape banking – and that starts with our brilliant team. Whatever came before, we\’re proud to bring together people of all backgrounds and experiences who love working together to solve problems.
Starling Bank is an equal opportunity employer, and we\’re proud of our ongoing efforts to foster diversity & inclusion in the workplace. Individuals seeking employment at Starling Bank are considered without regard to race, religion, national origin, age, sex, gender, gender identity, gender expression, sexual orientation, marital status, medical condition, ancestry, physical or mental disability, military or veteran status, or any other characteristic protected by applicable law.
By submitting your application, you agree that Starling Bank may collect your personal data for recruiting and related purposes. Our Privacy Notice explains what personal information we may process, where we may process your personal information, its purposes for processing your personal information, and the rights you can exercise over our use of your personal information.
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Broadridge Trading & Connectivity Solutions
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Head of Pricing and Insights (15-month fixed-term contract) | London, UK employer: Starling Bank
Contact Detail:
Starling Bank Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Head of Pricing and Insights (15-month fixed-term contract) | London, UK
✨Tip Number 1
Familiarise yourself with the latest trends in pricing strategies within the banking sector. Understanding how other banks are approaching pricing for lending products can give you a competitive edge during discussions.
✨Tip Number 2
Network with professionals in the asset management and pricing fields. Attend industry events or webinars to connect with others who may provide insights or even referrals that could help you land the job.
✨Tip Number 3
Brush up on your knowledge of regulatory frameworks and accounting standards relevant to lending assets. Being well-versed in these areas will not only boost your confidence but also demonstrate your expertise during interviews.
✨Tip Number 4
Prepare to discuss your leadership style and experiences in developing teams. Starling values collaboration and high performance, so showcasing your ability to lead and inspire a team will be crucial.
We think you need these skills to ace Head of Pricing and Insights (15-month fixed-term contract) | London, UK
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in pricing and insights, particularly in the banking or financial services sector. Use specific examples that demonstrate your analytical skills and leadership abilities.
Craft a Compelling Cover Letter: In your cover letter, express your enthusiasm for the role at Starling Bank. Discuss how your background aligns with their mission to reshape banking and mention any specific achievements related to pricing strategies or team leadership.
Showcase Analytical Skills: Since the role requires strong analytical abilities, include examples of how you've successfully used data analysis to drive business decisions. Mention any tools or methodologies you are proficient in that relate to cash flow models or financial analysis.
Highlight Team Leadership Experience: Emphasise your experience in leading teams, especially in a banking context. Provide examples of how you've developed a culture of continuous improvement and analytical care within your team, as this is crucial for the role.
How to prepare for a job interview at Starling Bank
✨Understand the Role Thoroughly
Before the interview, make sure you have a deep understanding of the Head of Pricing and Insights role. Familiarise yourself with the responsibilities, especially around pricing strategies and governance frameworks. This will help you articulate how your experience aligns with their needs.
✨Showcase Your Analytical Skills
Given the emphasis on analytical abilities in this role, prepare to discuss specific examples where you've successfully used data analysis to drive pricing decisions or improve profitability. Be ready to explain your thought process and the impact of your actions.
✨Demonstrate Team Leadership Experience
As this position involves leading a team of analysts, be prepared to share your leadership style and experiences. Discuss how you've developed teams in the past, fostered a culture of continuous improvement, and managed relationships across departments.
✨Stay Updated on Regulatory Changes
The job requires knowledge of regulatory frameworks affecting pricing models. Brush up on recent changes in regulations related to lending assets and be ready to discuss how these might impact pricing strategies. This shows your commitment to staying informed and compliant.
