Pricing Modelling Senior Analyst

Job Title: Senior Analyst - Portfolio Profitability Modelling

Contract Type: Permanent, Fulltime

Location: Bradford, Petersfield, Chatham or London

Working Pattern: Hybrid—typically 1 day a week in the office. Part-time or flexible arrangements are considered to support work-life balance. A fear of losing your current working flexibility shouldn't hinder you from applying for new opportunities, which is why we aim to match your existing flexible working arrangements where possible.

What We Offer:

Holidays: 25 days holiday up to 30 days (depending on service)
Pension: We know it is important to save for the future, that is why we will contribute up to 10%
Maternity/Paternity: We realise that family time is important, we offer enhanced maternity (after successful completion of probation) and 4 weeks paternity leave
Volunteering: 2 paid days to ‘give back’ to the charity of your choice
Development: LinkedIn Learning for all
Finance: Snoop Premium available to all colleagues
Medical: Opportunity to opt in for Private Medical Insurance
Bonus: Discretionary annual bonus
The Role:

The Pricing Modelling team operates as a Centre of Excellence to develop, maintain and evolve the capability of pricing models across the bank’s products (Credit Cards, Vehicle Finance, Second Charge Mortgages, Savings). These models play a pivotal role in enabling the business to achieve its financial objectives, by embedding advanced data-driven modelling in to commercial strategy and pricing decisions, to drive sustainable profitability.

As an Analyst, you will own the design, development, and maintenance of our profitability and pricing models and tracking suite. You will play key role in designing and shaping the next generation of models in a cloud-based, data-driven environment, to unlock greater flexibility and granularity to unlock faster, smarter, and more responsive decision making.

As a Senior Analyst - Portfolio Profitability Modelling, you will:

Lead the design, development, innovation, and maintenance of our profitability pricing models and tracking suites
Evolve the capability of Pricing models, through developing further automation, enhanced granularity, and streamlined user interfaces, on a next generation cloud-based analytics platform
Combine business strategies and levers, with data driven customer performance, within the models, to translate key performance drivers into financial measures and outcomes, such as RoTE PBT
Working to ensure we take the right decisions for our shareholders and customers by supporting other teams around the business in a wide range of profitability financial analysis
Place strong and robust controls and automation around everything you do – to make sure that our tools and models are precise, accurate, and trusted throughout the business
Ensure all models in operation are fit for purpose through the development of dynamic model monitoring suites, recalibrating and redeveloping these models when necessary
Identify new opportunities and improvements in current modelling practices, processes and tools, through inquisitive and innovative analysis
Coaching junior team members; conducting peer-review of team members work, and role modelling exceptional behaviours and standards
Deputise for Senior manager as and when require
What We’re Looking For:

Pricing Modelling: Previous experience developing NPV / profitability / pricing / financial models in Python/SAS/SQL/Excel/or similar technologies, with a full understanding of the purpose, design, mechanics and outputs
Coding Forecasting: Experienced with Python, Snowflake, SQL, or SAS; confident developing code from scratch to manipulate and interrogate data, with strong knowledge of forecasting techniques/tools/libraries
Financial Metrics: Familiarity with the components and structure of the PL / balance sheet, and key financial measures and metrics
Lending Products: Credit Cards, Loans, or Vehicle Finance product experience with knowledge of the profitability drivers modelling approaches
Model Development: A good understanding of the model development lifecycle and key principles
Communication: Excellent verbal and written communication skills, capable of presenting complex findings to non-technical stakeholders, and building strong relationships with key stakeholders. Read more