Overview
Working in the Credit Risk & Pricing team within the lending business, this is a hands‑on role where you will use multiple data sources and analytical tools to develop and optimise pricing and trading strategies for long‑term profitability.
Responsibilities
* Develop and optimise pricing strategies to deliver financial trading plans
* Drive efficiencies and automation in pricing strategy execution
* Collaborate with modelling to identify new pricing factors that drive competitive advantage
* Meet customers' reasonable expectations and provide fair outcomes
* Maintain MI which facilitates effective performance monitoring and optimisation
* Provide analysis and insights for the Management Committee and the Board
* Maintain regulatory compliance and reputational integrity
* Act as a Commercial SME within the business and the broader Hastings Group
* Price comparison website experience essential; retail lending product knowledge desired
* Can handle vast and multiple data sources at speed
* Real rate‑risk based pricing experience essential; use of non‑standard segmentation desirable
* Strong SQL coding skills; programming experience such as R or Python desirable
* Commercially aware, can optimise for short and long‑term outcomes
* Effective communication that transcends levels within the business
* Analytically driven, continuously seeking new insights and applying innovative thinking
* Works effectively on own as well as part of and influencing the broader business
* Comfortable in a fast‑paced environment, with agility to manage and adapt focus and priorities
* Seeks continuous improvement, both in terms of skills and outcomes
Benefits
* Competitive salary and £5k car allowance
* Flexible hybrid working; discussion of arrangements with recruiter
* Competitive bonus scheme; eligible for the annual 4Cs performance bonus
* Private medical insurance (PMI) for health care, with chosen specialist visits
* Life assurance cover equivalent to 4× salary, income protection at no extra cost, and matched pension contributions up to 10%
* Financial wellbeing support, including discounts, cashback and free independent mortgage advice
* Mental wellbeing programme: thrive mental health app, colleague assistance programme, in‑house mental health first aiders, support groups
* 27 days annual leave plus bank holidays, option to buy or sell a week, health‑care cashback plans and dental plans
* Discounts on health assessments, cycle‑to‑work and tech schemes, and free access to onsite facilities and social events
Equal Opportunities
Hastings Group is an equal‑opportunity employer. We treat people fairly and welcome applications from all suitably skilled persons regardless of gender, age, race, disability, ethnic background, religion/belief, sexual orientation, gender reassignment or marital/family status. We are committed to providing reasonable adjustments during the recruitment process.
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