Tesco Bank - Senior Commercial Pricing Analyst - Loans

hackajob is collaborating with Barclays to connect them with exceptional professionals for this role. Join us as a Tesco Bank – Senior Commercial Pricing Analyst – Loans where you'll be responsible for analysing the external lending market and competitive landscape to define optimal pricing strategies that balance profitability and volume growth. You will monitor performance through monthly financial reviews, assessing profit drivers, variances, and the impact of pricing decisions on business outcomes.

This role involves deep analysis of pricing, market trends, and key financial metrics to continuously optimise loan pricing and commercial performance. You will also support new product launches and strategic activities by providing data-driven insights and recommendations.

• Great analytical capability with the ability to interpret complex data and generate actionable insights
• Commercial acumen, with an understanding of how pricing decisions impact profitability, risk, customer outcomes and business performance
• Proficiency in SAS / SQL (or other programming language) and Excel for data analysis and modelling
• Excellent stakeholder management skills, with the confidence to engage and influence senior leaders (including Director and Managing Director level)
• Great communication and presentation skills, with the ability to clearly articulate insights and recommendations
• Ability to translate complex analysis into clear, compelling messages tailored for non-technical audiences
• Previous experience within financial services, ideally with exposure to lending or pricing environments

• Experience using Power BI for data visualisation and reporting
• Financial acumen, with the ability to interpret and analyse key financial metrics
• Experience working within large, complex organisations, with an understanding of corporate structures and processes

This role can be based in either Glasgow or Edinburgh.

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

• 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.

• 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…