Seniot Credit Pricing Manager

Senior Credit Pricing Manager Liverpool £75,000 to £89,000 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