Senior Commercial and Pricing Analyst Cardiff, Wales
Job description
The Commercial finance team in V12 Retail Finance oversees Pricing of retail finance partners and provides insight and analysis to support the review of business profitability and performance.
The role will support the development of advanced data science analysis and modelling developing the finance data warehouse, using analytical techniques to drive profitable income growth within business risk appetite.
- Develop monthly MI and new business profitability reporting to drive Pricing Review meetings.
- Undertake pricing for new prospects and develop pricing for existing retail partners
- Use the latest modelling and data science techniques to seek opportunities to improve profitability through reviewing current pricing products and structures, make recommendations for change.
- Ensure models are fully documented in line with the Banks Model governance.
- Develop introducer performance reporting to assist the business in the effective and profitable management of relationships.
- Support and input into the development of new products, channels, and strategic business initiatives.
- Work with the commercial and credit risk teams to help build Retail partnerships, and develop new products options
- Create effective measures, controls, processes, and procedures to manage pricing and business risk
- Develop insight to support the business and V12 ExCo decision making.
- Provide cover for the Senior Commercial Finance Manager
- Develop competitor Insight, and help to review & monitoring competitor pricing and strategy
- Work with IT on development projects and the implementation of the Datamart system for improved reporting and insight
- Assist with the development of business Plans, Budget, and Forecasts
- Strong mathematical modelling skills within Data Science / Analytics working with large datasets and developing financial models
- Understanding of SAS/SQL and data visualization tools such as Power BI
- Commercially aware and keen to work in a commercially facing finance role
- Proven self-starter who is proactive and able to work independently of direct control and supervision
- Good track record in developing financial analysis for decision making, and able to draw insight for analysis for decision making
- Background in Financial Services or FMCG sector would be beneficial
Everyone is different. Everyone is valued
As part of our vision to become the most trusted specialist lender in the UK, we’ve been helping customers and businesses fulfil their ambitions since 1952. In that time, we’ve learned that we’re more than the sum of our parts. We’re a strong Group because of our people and our strengths; specialist, expert, ambitious and also diverse. All of our people are different and this is something we celebrate.
Every one of our employees brings unique talent, ability and perspective to their role.
That’s why Secure Trust Bank Group nurtures differences. We understand that we perform better because we’re not cast from the same mould. We actively embrace and support diversity, work with leading industry bodies and promote initiatives that reinforce our philosophy of giving you the freedom to be who you are.
We’re an award-winning bank providing savings accounts and lending services to over one million customers. We’re Secure Trust Bank Group. We embrace difference.
