Commercial Analyst - Savings
Location: Head Office, London
Hours: Monday to Friday, 9:00am-5:30pm
Working Pattern: Hybrid (50/50)
Reports to: Commercial Manager - Savings
Department: Savings & Marketing - Savings Team
About the Role
We're looking for a highly analytical and commercially minded Commercial Analyst to support the growth of our awardwinning Savings business. This is a pivotal role where you'll analyse market trends, customer behaviour and competitor activity to inform pricing, product positioning and strategic decisionmaking.
You'll work across forecasting, performance reporting, profitability modelling and pricing proposals - playing a key part in ensuring HTB remains competitive, compliant and aligned to its ambitious savings strategy.
If you love data, enjoy telling a story through insight, and want to influence strategic outcomes within a fastgrowing specialist bank, this role offers exactly that.
Key Responsibilities
Market & Customer Insight
* Conduct comprehensive competitor analysis to understand pricing trends and market movements
* Analyse customer behaviour to identify pricing sensitivities and optimise product strategy
* Monitor swap/base rates, customer rates, operational costs and acquisition/retention dynamics
Forecasting & Commercial Modelling
* Produce inflow and outflow forecasts to meet Treasury requirements
* Ensure the savings deposit book remains within risk limits
* Undertake profitability analysis across products and customer cohorts
* Provide commercial insight that supports pricing proposals and decisionmaking
Governance, Pricing & Reporting
* Support production of pricing papers for the Pricing Committee
* Create exhibits and analysis for ALCO and other forums
* Report on customer acquisition, retention, channel usage and cost performance
* Contribute to governance packs (MBR) and departmental reporting
CrossFunctional Collaboration
* Partner with Savings Product Operations, Treasury, Marketing, Customer Operations and Pricing Committee members
* Work with external partners such as marketdata providers and pricing optimisation tool suppliers
Who You'll Work With
Internal:
* Savings Product Operations
* Treasury
* Marketing & Customer Experience
* Savings Customer Operations
* Pricing Committee
External:
* Market data providers
* Machinelearning pricing optimisation partners
What We're Looking For
Qualifications & Experience
* Experience in financial services, ideally within savings
* Highly advanced analytical skills and strong problemsolving ability
* Experience developing insights and visualisations (Tableau advantageous)
* Strong prioritisation skills and commercial awareness
Competencies & Attributes
* Organised, proactive and professional
* Curious mindset with strong risk awareness
* Strong interpersonal and communication skills
* Selfstarter with high levels of initiative
* Collaborative team player with a continuousimprovement mindset
Benefits
* Competitive remuneration
* Discretionary annual bonus
* Annual pay review
* Private Medical Insurance (Bupa)
* Wellbeing support via YuLife & Bupa
* 25 days annual leave (increasing with service) + Holiday Buy Scheme
* Cycle to Work & Green Car Schemes
* Enhanced family leave
* Study support & professional memberships
* Hybrid working (50/50)
* YuLife Rewards - retail, lifestyle & experience discounts
* Pension scheme - 8% employer contribution (noncontributory)
* Interestfree season ticket loan
* Annual volunteering day & Net Zero commitment
If you're passionate about using insight to shape commercial decisionmaking and want to play a key role in the future of HTB's Savings proposition, we'd love to hear from you.