Impress employers and recruiters.
Choose from hundreds of resume examples.

Target Resume Now

About the Role

The Credit Pricing Manager will be responsible for the hands-on development and delivery of pricing strategies across the Financial Services credit portfolio, including revolving accounts, instalments and card products. This role requires strong practical experience in credit pricing, SQL, Python, analytical modelling, forecasting and performance tracking, using advanced analytics to optimise revenue, margin and customer value while maintaining effective risk controls, fair customer outcomes and regulatory compliance.

Responsibilities

Develop and implement pricing strategies across revolving accounts, instalments, card portfolios and other Financial Services credit products.
Conduct credit pricing analysis, model building, and pricing improvements using SQL and Python.
Build and manage advanced analytical models for credit pricing, cashflow modelling, forecasting, customer valuation, and portfolio performance.
Define, calculate, and monitor key valuation measures, including Net Present Value, Internal Rate of Return, and risk-adjusted margins.
Conduct pricing and fair value assessments to ensure competitive pricing, fair customer outcomes, and regulatory compliance.
Develop risk management frameworks for pricing strategies and testing, including controls, performance measures, and tracking.
Deliver actionable insights and recommendations to optimise revenue, margin, customer value, and overall portfolio performance.
Design and implement automated reporting and dashboards for pricing, risk, and commercial performance visibility.
Lead A/B testing and controlled experimentation to evaluate the impact of pricing initiatives.
Represent credit pricing at governance forums, including Customer, Product, and Credit Risk committees.
Act as a strategic partner to senior leadership, translating complex data and modelling outputs into clear commercial recommendations.
Collaborate with Credit Risk, Product, Commercial, Finance, Analytics, and Engineering teams to deliver pricing initiatives and strengthen analytical capabilities.
Improve data infrastructure, analytical processes, and governance supporting credit pricing decisions.
Maintain the accuracy, integrity, and consistency of data across all pricing models, reports, dashboards, and analytical outputs.
Monitor credit product and portfolio performance, identifying emerging risks, trends, and opportunities.
Lead and develop Pricing Managers and Junior Analysts while remaining actively involved in hands-on analytical delivery.
Manage team recruitment, performance, absence, reward decisions, and professional development.

Requirements

Strong hands-on experience using SQL and Python to analyse data, build pricing models, and deliver commercial outcomes.
Essential experience in credit pricing, with a strong understanding of pricing strategies, credit risk, and portfolio performance optimisation.
Experience developing complex unit-level cashflow models for credit products.
Strong knowledge of customer valuation and pricing measures, including NPV, IRR, and risk-adjusted margins.
Hands-on experience developing incrementality models, attribution models, and advanced forecasting solutions.
Experience working with revolving credit accounts, instalment products, card portfolios, or retail finance products.
Financial Services experience gained within banking, insurance, consumer credit, or retail businesses offering credit products.
Proficiency in BI and data visualisation platforms, such as Power BI or Tableau.
Deep understanding of revenue management, fair value assessments, regulatory requirements, and risk management within credit pricing.
Strong commercial acumen, with experience influencing revenue, margin, and P&L performance.
Proven ability to translate complex data into clear, actionable recommendations for senior and non-technical stakeholders.
Experience collaborating with Credit Risk, Product, Commercial, Finance, Analytics, and Engineering teams.
Proven ability to lead and develop analytical or pricing teams while remaining actively involved in hands-on delivery.
Excellent communication, stakeholder management, and presentation skills.
Experience working within a marketplace or platform-based environment would be advantageous.
Must be eligible to work in the United Kingdom.

Skills

Credit Pricing
SQL
Python
Analytical Modelling
Forecasting
Performance Tracking
Advanced Analytics
Credit Risk
Product Development
Finance
BI Platforms
Data Visualisation
Power BI
Tableau
Revenue Management
Fair Value Assessments
Risk Management
Commercial Acumen
Stakeholder Management
Communication
Presentation Skills

Location

London, Liverpool, United Kingdom

Work Type

Permanent
Contract
Hybrid (1 day a week, office-based)

Experience Level

6-9 years

Benefits

Competitive salary
Generous bonus
Private healthcare
Critical illness life assurance at 4 x annual salary
Income protection insurance
Rewarding pension
Everyday financial well-being solutions (cash back cards, discounts, promotions, offers)
Cycle Scheme (save money on bikes and cycling accessories)
Professional and personal development opportunities
Learning initiatives (online courses, seminars, workshops)
Employee Stock Purchase Plan (ESPP)
Flexible hybrid working model

About the Company

EXL is a global data and artificial intelligence (AI) company that offers services and solutions to reinvent client business models, drive better outcomes, and unlock growth with speed.
EXL harnesses the power of data, AI, and deep industry knowledge to transform businesses, including the world’s leading corporations in industries including insurance, healthcare, banking and financial services, media and retail, among others.
EXL was founded in 1999 with the core values of innovation, collaboration, excellence, integrity, and respect.
Headquartered in New York, EXL has more than 60,000 employees spanning six continents.

Equal Opportunity

As an Equal Opportunity Employer, EXL is committed to diversity. Our company does not discriminate based on race, religion, colour, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, age, or disability status.