Sr Director Pricing & Product Analytics

Overview

Pen Fed is hiring a (Hybrid) Sr Director Pricing & Product Analytics at our Tysons, Virginia;
Dallas, Texas or San Antonio, Texas location. Pen Fed is seeking a Senior Director of Pricing & Product Analytics to drive pricing strategy, product performance insights, and portfolio optimization across the Auto Lending and Unsecured Lending businesses (including Personal Loans, Student Loans, and Overdraft Lines of Credit). The incumbent will be responsible for leading pricing and product analytics, developing data-driven recommendations, and providing executive-ready insights that influence business strategy.

The role requires deep expertise in consumer lending economics, pricing optimization tools, and analytical storytelling to support sustainable growth, risk-adjusted returns, and competitive positioning. The ideal candidate has proven experience partnering with Product, Risk, Decision Science, and Finance teams, while leading a small team of analysts in delivering high-quality insights and reporting.

Equivalent combination of education and experience is considered.

• Bachelor’s Degree required in Economics, Business Analytics, Finance, Statistics, Mathematics, or related field;
  Master’s Degree or MBA preferred.
• Minimum of twelve (12) years of progressively responsible experience in financial services with a focus on pricing, product analytics, or related fields.
• Minimum of five (5) years of direct management experience required.
• Minimum of one (1) year of experience in a Director Level role required.
• Advanced knowledge of industry standards and practices in business intelligence/analytics.
• Demonstrated expertise in consumer lending economics (including auto and unsecured loan pricing strategy).
• Hands-on experience with pricing optimization platforms (e.g., Nomis, FICO Loan Pricing Optimizer) strongly preferred.
• Proven ability to translate complex analytical findings into actionable business recommendations.
• Strong understanding of programming languages (e.g., Python, SQL, or R).
• Experience developing reports and dashboards using BI tools such as Tableau or Power BI.
• Familiarity with cloud-based data platforms (Snowflake, Salesforce Data Cloud) preferred.
• Track record of managing and mentoring small teams of analysts.
• Strong communication skills, with ability to present technical and financial insights to senior executives in clear, actionable terms.
• Proven track record of advancing thought leadership and enabling an analytical strategic vision for Product insights.
• Experience partnering with large, cross-functional teams and leadership.
• Strong written and verbal communication skills. High degree of proficiency in synthesizing and communicating data from a variety of disciplines.

This position will supervise employees.

There are no additional licenses and/or certifications required.

While performing the duties of this job, the employee is regularly exposed to an indoor office setting with moderate noise.

* Most roles require working in an office setting with moderate noise and the ability to lift 25 pounds.*

Ability to travel to various worksites and be on-call is required.

#LI-Hybrid

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This is not intended to be an all-inclusive list of job duties and the position will perform other duties as assigned.

• Pricing Strategy Leadership:
  Drive auto and unsecured lending pricing strategy, including development of pricing frameworks, monitoring of competitive dynamics, and use of pricing optimization tools such as Nomis Pricing Optimization Engine.
• Risk & Policy Alignment:
  Partner with Decision Science and Risk teams to monitor credit performance, loan pricing effectiveness, and portfolio health across both secured and unsecured lending portfolios; provide analytical feedback to influence enhancements to risk models and lending policies.
• Business Health Monitoring:
  Oversee analysis of the full consumer lending lifecycle, from application funnel through booked loan performance, identifying opportunities to optimize conversion, yield,…