Pricing and Profitability Manager

About the role

The Pricing and Profitability Manager is responsible for developing, implementing and continuously improving pricing strategies and profitability frameworks that maximise portfolio returns while balancing risk, funding and operational considerations. The role supports strategic decision‑making by maintaining profitability models, monitoring portfolio performance and ensuring robust pricing governance.

Key responsibilities

• Maintain and enhance portfolio profitability models, ensuring all financial, funding and risk inputs are up‑to‑date and compliant with model risk governance requirements.
• Collaborate with Finance, Treasury and Credit Risk teams to validate model parameters and ensure accurate profitability assessments.
• Monitor and report profitability for new business and existing portfolio, analysing expected returns, fair‑value impacts, risk and cost structures.
• Provide management information for portfolio quality reviews and identify key drivers influencing profitability.
• Develop and refine pricing strategies by evaluating market trends, competitor activity, customer behaviour, risk‑reward opportunities and price elasticity.
• Determine acceptable marginal pricing levels, support pricing decisions for new products and design champion/challenger pricing tests.
• Oversee pricing governance, monitor exceptions, assess control adequacy and drive corrective actions.

Required profile

• Strong analytical mindset with experience in profitability modelling and pricing strategy.
• Ability to work cross‑functionally with Finance, Treasury and Credit Risk stakeholders.
• Excellent communication skills to present insights and recommendations to senior management.
• Understanding of model risk governance and regulatory compliance in a banking environment.

Required skills