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Commercial and Pricing Manager (Loans) - Edinburgh

Company: Sainsbury's Bank
Pay: Excellent Salary Benefits
Job type: full-time
Category: Financial Services

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Job description

Commercial and Pricing Manager (Loans) Commercial and Pricing Manager (Loans)Edinburgh45K - 52K plus excellent benefitsDo you have strong commercial acumen and an analytical experience?If so, we'd love you to join our team!In this role you will be owning and managing the day-to-day and development agenda for Sainsbury's Bank Loans trading. This is a highly commercial role. You will be significantly contributing to the achievement of all the business goals for Sainsbury's Bank Loans by optimising value creation across channels with specific focus on pricing and profitability.You'll be:A key contributor to the development of Loans Strategy
Delivering of the P&L and delivery of Sales, Retention, Income, Cost and Contribution lines. In particular, delivering the income targets set out in the business plan
Owning the development of competitor intelligence and translate into commercial advantage that drives improvements in business performance and profitability
Being a key contributor to the 5 year plan via reforecast process, challenging stakeholders to drive an optimal result
Setting and delivering stretching market share targets by segments, identify areas of opportunity where we under-perform in the market and work with key stakeholders to build a plan to remedy
Owning the pricing of the Loans product range, balancing delivery of multiple objectives (lending, return, risk), and making informed judgements in terms of the competitive environment
Owning the interlock for Loans with all Stakeholders (Monthly, Quarterly and Reforecast), ensuring appropriate support is in place to deliver the plan and business objectives
Understanding deeply, providing robust monitoring, and driving optimal and profitable Channel performance to deliver and exceed plan. Identifying areas of opportunity where we under-perform in the market and work with key stakeholders to build a plan to remedy
Delivering and optimising Profitability on new business (NPVs and RRRs), delivering the APR on new lending and retention and optimise of RBP. All within the bounds of an appropriate conduct environment with fair outcomes for customers
Supporting migration for Loans. Work with partners to scope requirements and testing
Leading, motivating, developing and appraising Commercial and Pricing team so that their performance is of the required level.
You'll bring:Significant experience in financial services in product/commercial management, risk management, management information or customer analysis. Good knowledge and understanding of retail credit products
Knowledge of financial environment with excellent analytical skills - highly numerate
Some form of educational qualification (educated to degree level at minimum level 2:1 or relevant professional qualification)
Commercial acumen, with strong financial and return / value creation understanding
Proven track record of working on own initiative, with the ability to introduce fresh thinking to the role and the wider team
Well organised and able to prioritise multiple pressing priorities and work effectively under pressure
Customer focused, with an ability to understand customer need and build compelling and profitable customer propositions
Exceptional relationship management skills with an ability to challenge and drive high performance from stakeholders
Exceptional communication skills - ability to communicate effectively with anyone in any environment, e.g. able to translate complex / technical issues to meet the audience's competency level
Preferable to have experience of leading / managing a team.

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