Pricing & Margin Management Analyst

Visio Lending is the nation’s leader in rental home financing. Founded in 2012 in Austin, Texas, Visio enables small- to medium- sized investors to grow their rental home, and vacation rental portfolios. Headquartered in fantastic Austin, Texas, since late 2015, Visio has financed more than $1 billion in Rental
360 loans. With more than $400 million in capital onboard, a proven record of investment grade bond issuance on Wall Street, and an outstanding 100+ team, Visio is poised for continued success.

We at Visio are passionate about working together towards our goals to continually push this company forward. We innovate, collaborate, celebrate team successes, and recognize individual accomplishments. At Visio Lending, you’ll work on meaningful initiatives that directly support real estate investors nationwide. We offer a collaborative culture, growth opportunities, and flexibility with remote work options.

Visio Lending is seeking a Pricing & Margin Management Analyst to play a key role in optimizing pricing, profitability, and growth across our DSCR and non-QM lending business. This is a highly analytical role that sits at the intersection of pricing, capital markets, sales, and finance.

You will analyze market conditions, loan-level data, pricing performance, and competitive intelligence to help determine where we are appropriately priced and where opportunities exist to improve volume and margin. You will make data-driven pricing recommendations, identify margin leakage, build reporting and financial models, and present insights to senior leadership.

This is an opportunity for a highly analytical finance professional who understands mortgage pricing and enjoys turning complex data into actionable business recommendations.

• Pricing & Market Analysis
• Monitor market factors that influence pricing, including Treasury and swap rates, SOFR, whole-loan buyer bids, securitization spreads, cost of funds, and warehouse carry
• Analyze rate sheet pricing across LTV, DSCR, FICO, loan size, property type, cash-out, interest-only, prepayment penalty structure, and state
• Recommend base rate and price-adjuster changes and quantify the expected margin impact
• Identify pricing opportunities where products may be priced above or below market
• Margin Management
• Maintain and analyze the company's margin waterfall from rate sheet pricing through realized execution
• Compare target and realized margins across products, channels, brokers, and account executives
• Identify sources of margin leakage and recommend pricing, policy, or process improvements
• Model the potential margin and volume impact of proposed pricing strategies
• Build and maintain pricing and margin dashboards for leadership using tools such as Power BI, Tableau, or Excel
• Analyze lock volume, pull-through, and fallout by product, pricing tier, and channel
• Conduct structured pricing analyses and tests to evaluate volume and margin response
• Analyze and report on broker and channel economics, including points, compensation, and volume mix
• Partner with Sales and executive leadership to create and maintain broker pricing tiers based on measurable performance
• Analyze broker performance using metrics such as pull-through, volume, cycle times, file quality, and loan performance
• Monitor competitor DSCR and non-QM pricing and product offerings
• Benchmark Visio's competitive position and use win/loss data and broker feedback to explain changes in volume
• Produce monthly reporting on concessions, exceptions, pricing trends, and margin impact
• Document pricing methodology and the rationale behind rate sheet changes
• Support fair lending monitoring of discretionary pricing
• Partner with the pricing engine…