Requirements

• 9+ years of experience in pricing, commercial strategy or revenue management, with significant time spent in financial services (banking, fintech, payments or lending)
  
• Deep expertise in at least two of: retail banking pricing, business/merchant pricing, or credit/lending pricing
  
• Strong quantitative skills — comfortable building pricing models, running statistical analyses and interpreting complex data
  
• Experience designing and executing pricing experiments and willingness-to-pay research
  
• Track record of building pricing functions or capabilities in organisations where pricing was previously underdeveloped
  
• Excellent communication skills — able to translate complex pricing analysis into clear recommendations for senior stakeholders
  
• Commercial mindset with genuine empathy for customers — understands that good pricing creates value for both sides
  

Pricing Strategy & Architecture

• Own end-to-end pricing strategy across retail banking, business banking and credit products
  
• Design and implement a coherent pricing architecture that balances revenue growth, competitive positioning and customer fairness
  
• Develop pricing frameworks for new product launches and market entries, working closely with Product and Commercial teams
  

Analytics & Commercial Modelling

• Build the analytical infrastructure for pricing: elasticity models, competitive benchmarking, margin analysis and scenario modelling
  
• Conduct rigorous analysis of fee structures, interchange economics, interest rate margins, FX spreads and credit pricing across all products
  
• Design and run pricing experiments (A/B tests, conjoint analysis, willingness-to-pay studies) to move us from gut-feel to evidence-based pricing decisions
  

Product-Specific Pricing

• Retail Banking: Optimise pricing for account tiers, transfer fees, card fees, savings rates and FX margins — balancing growth with unit economics
  
• Business Banking: Design pricing models for merchant services, payroll, collections, and business accounts that reflect value delivered to SMEs
  
• Credit: Work with the Credit team to refine risk-based pricing, ensuring loan pricing adequately reflects cost of funds, expected losses and target returns while remaining competitive
  

Cross-Functional Leadership

• Partner with Product, Finance, Risk, Compliance and Commercial teams to embed pricing into product development and go-to-market processes
  
• Educate the organisation on pricing principles — build internal capability so pricing thinking is distributed, not siloed
  
• Represent pricing in leadership discussions, board reporting and investor conversations