Commercial Optimisation and Pricing Analyst - Consumer Loans

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.

• 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.

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…