Pricing Analyst Enra Specialist Finance · Watford

Enra Group; Watford; On-site; GBP 40,000 - 55,000; Full time

Job summary

A leading financial services firm in Watford is seeking a Pricing Analyst to develop and manage robust pricing models, ensuring competitiveness in the specialist lending market. The ideal candidate should possess strong numerical and financial modelling skills and a degree in a relevant field. Responsibilities include designing pricing models, evaluating pricing adjustments, and managing rate sheets. This role requires an analytical mindset and proficiency in Excel.

Qualifications

• Experience in financial modelling, pricing, or analytics within lending or banking.
• Understanding of specialist lending and funding models.
• Knowledge of product structures and margin metrics.

Responsibilities

• Design and maintain pricing models to evaluate key metrics.
• Evaluate and recommend pricing adjustments based on margin targets.
• Own production and maintenance of rate sheets.

Skills

Strong numerical and financial modelling skills

Ability to handle large datasets

Proficiency in Excel

Proficiency in VBA

Strong attention to detail

Education

Degree in Finance, Economics, Mathematics, or related discipline

Job description

To develop and manage robust pricing models, enabling the business to compete effectively in the specialist lending market while achieving margin and return targets. The role will ensure accuracy, responsiveness, and transparency in pricing across all our products.

Key Accountabilities

• Design and maintain pricing models to evaluate key metrics such as Return on Assets and Return on Equity, incorporating a range of drivers including warehouse structures, securitisation assumptions, and asset-level inputs.
• Evaluate and recommend pricing adjustments based on margin targets and market movements.
• Own the production and maintenance of rate sheets and the distribution of them to stakeholders.
• Oversee repricing processes and ensure timely implementation across systems.
• QA all pricing and product inputs within our origination platform to confirm alignment with the reprice.
• Support ad hoc scenario modelling and performance simulations.
• Contribute to product launches and pricing change governance documentation.

Skills & Competencies

• Strong numerical and financial modelling skills.
• Ability to handle large datasets and run sensitivity analyses.
• Proficiency in Excel required. Proficiency in VBA desired.
• Structured approach to QA and change control.
• Strong attention to detail and organisational skills.

Knowledge & Qualifications

• Desired experience in financial modelling, pricing, or analytics within a lending or banking environment.
• Understanding of specialist lending and funding models.
• Degree in Finance, Economics, Mathematics, or a related discipline preferred.
• Knowledge of product structures, margin metrics and return hurdles.

Personal Attributes

• Analytical and inquisitive mindset.
• Confident communicator able to present findings clearly.
• Diligent and methodical in approach.
• Flexible and responsive to business needs and change.