Commercial Optimisation and Pricing Analyst - Consumer Loans

Job Description

Purpose of the role

To drive the success of the commercial banking segment through market analysis, product development, sales and relationship management, risk management, and performance.

Accountabilities

• Execution of market research to understand the competitive landscape, identify market trends and opportunities, and develop strategies to capture market share within the commercial banking segment, taking into consideration industry, size, and growth stage.
• Development of appropriate pricing models for different products and services, ensuring profitability while remaining competitive in the market.
• Development, implementation and management of innovative financial solutions, services and products aligned to the banks objectives and are tailored to the commercial banking segment, including loan products, cash management solutions, and trade finance services.
• Identification and forging of strategic partnerships with other financial institutions, technology providers, or industry experts to expand product offerings and reach new client segments.
• Management of key stakeholder relationships within target companies to understand their needs and recommend appropriate solutions.
• Development and implementation of sales strategies including the establishment of sales targets, identification of sales channels to reach potential clients and objectives for loan terms to support the negotiation process and development of service agreements.
• Monitoring of key leading and lagging metrics such as new client acquisition, loan volume, revenue generation, and market share to assess the performance of the commercial banking segment. Funnel and journey optimisation are key to delivery of service and commercial performance.

Assistant Vice President Expectations

• To advise and influence decision making, contribute to policy development and take responsibility for operational effectiveness. Collaborate closely with other functions/ business divisions.
• Lead a team performing complex tasks, using well developed professional knowledge and skills to deliver on work that impacts the whole business function. Set objectives and coach employees in pursuit of those objectives, appraisal of performance relative to objectives and determination of reward outcomes
• If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L - Listen and be authentic, E - Energise and inspire, A - Align across the enterprise, D - Develop others.
• OR for an individual contributor, they will lead collaborative assignments and guide team members through structured assignments, identify the need for the inclusion of other areas of specialisation to complete assignments. They will identify new directions for assignments and/ or projects, identifying a combination of cross functional methodologies or practices to meet required outcomes.
• Consult on complex issues; providing advice to People Leaders to support the resolution of escalated issues.
• Identify ways to mitigate risk and developing new policies/procedures in support of the control and governance agenda.
• Take ownership for managing risk and strengthening controls in relation to the work done.
• Perform work that is closely related to that of other areas, which requires understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function.
• Collaborate with other areas of work, for business aligned support areas to keep up to speed with business activity and the business strategy.
• Engage in complex analysis of data from multiple sources of information, internal and external sources such as procedures and practises (in other areas, teams, companies, etc).to solve problems creatively and effectively.
• Communicate complex information. 'Complex' information could include sensitive information or information that is difficult to communicate because of its content or its audience.
• Influence or convince stakeholders to achieve outcomes.

All colleagues will be expected to demonstrate the Barclays Values of Respect, Integrity, Service, Excellence and Stewardship - our moral compass, helping us do what we believe is right. They will also be expected to demonstrate the Barclays Mindset - to Empower, Challenge and Drive - the operating manual for how we behave.

Join us as a Commercial Optimisation and Pricing Analyst, where you'll help shape the performance and future direction of one of Barclays UK’s largest lending products.

In this role, you will use data, analytics, and commercial insight to identify opportunities to improve customer outcomes and business performance. You'll analyse large and complex datasets, develop business cases, evaluate pricing, and proposition strategies, and provide recommendations that influence senior decision-making. Working closely with Product, Finance, Credit Risk, Decision Intelligence, Technology and Operations teams, you'll help deliver sustainable growth while maintaining considerable customer and risk outcomes.

This is an exciting opportunity for a curious and commercially minded analyst who enjoys solving complex problems, influencing stakeholders, and turning insights into action.

To be successful as a Commercial Optimisation and Pricing Analyst you should have:

• Considerable analytical and problem-solving capability, with the ability to translate data into actionable insights.
• Advanced Excel skills.
• Experience using data and coding tools such as SQL, SAS, and/or Python.
• Experience analysing large datasets and identifying trends, risks, and opportunities.
• Ability to build business cases, quantify commercial impacts and present recommendations to stakeholders.
• Considerable communication and stakeholder management skills.

Some other highly valued skills may include:

• Financial services experience.
• Lending, credit card, loans, pricing, product analytics, or credit risk experience.
• Experience in commercial performance optimisation, customer segmentation, forecasting, or proposition development.
• Experience creating dashboards, management information, and data visualisations.
• Relevant finance, economics, mathematics, statistics, data analytics, or accounting qualifications.

You may be assessed on the key critical skills relevant for success in role, such as risk and controls, change and transformation, business acumen, strategic thinking, digital and technology, as well as job-specific technical skills.

Why join us?

• Directly influence pricing, customer propositions, and commercial strategy for a major UK lending portfolio.
• Work with senior stakeholders and gain exposure across Product, Finance, Credit Risk and Decision Intelligence.
• Solve complex business problems using data, analytics, and commercial insight.
• Develop expertise in pricing, customer behaviour, portfolio performance, forecasting, and optimisation.
• Be part of a collaborative team that values innovation, continuous improvement and delivering good customer outcomes.

This role can be based in London or Northampton.