Pricing Manager

Bridgit; Sydney; On-site; AUD 140,000 - 200,000; Full time

Benefits offered by this job

Birthday leave

Two remote weeks per year

Training budget

Parental leave

Gym membership discount

Team lunches

Dog-friendly HQ

Job summary

Bridgit, a scaling non-bank lender in Australia, seeks a pricing leader to own the full pricing position across products and channels. You will shape competitive responses, guide new-product launches, and deliver data-driven recommendations to the Pricing Committee.

You’ll build analytics workstreams, own portfolio performance reporting, and drive disciplined financial analysis end-to-end. You’ll collaborate with Marketing, Credit, Product, and Treasury, bringing expert pricing insight to

Qualifications

• Reasons instinctively from data, and is disciplined about stating what incomplete data can and cannot support.
• Owns a rate card, loading matrix, or Pricing Committee process.
• 4 to 6 years in a non-bank lender, bank, or mortgage aggregator with direct exposure to pricing, portfolio analytics, or treasury.
• Residential or commercial lending domain knowledge; warehouse funding cost mechanics preferred.
• Strong on IRR, NIM waterfall, contribution margin and funding cost mechanics.
• Excellent modelling discipline across models, tools, and analysis; performs post-change effectiveness checks.
• Fluent in AI-assisted workflows; owns a prompt library and reuses it.
• Clear, structured written output; PC memos and internal comms in plain prose.
• Able to step into PC chair function in the Head of Strategic Finance's absence.

Responsibilities

• Own the commercial pricing position across product and channel, and present evidence-based recommendations to Pricing Committee.
• Own competitive response and implement fast, approved changes.
• Own new-product pricing and its commercial launch from rate structure to channel approach.
• Provide the discretion framework and deal analytics used by Sales with the network.
• Draft, circulate, and implement Pricing Committee memos end to end.
• Maintain the Pricing Monitor, Rate Card Master, and four system rate reconciliations.
• Run unit economics checks (NIM, contribution margin) on pricing changes.
• Lead the Price Change Working Group from PC approval through post-implementation QA.
• Build portfolio pricing analytics workstreams not yet running; drive portfolio performance reporting to committees.

Skills

Data-driven

Pricing analytics

Portfolio analytics

IRR & NIM

Financial modelling

AI workflows

Clear prose

PC chair

Job description

About Us

Bridgit is a leading non-bank lender transforming the way Australians access property equity. Purpose-built to make property transactions faster and easier, we pioneered the Buy Now, Sell Later solution - empowering homeowners to unlock their property equity and move on their terms. With a simple digital application, fast approvals, and flexible loan options, we're making property finance seamless and stress-free.

About Us

Bridgit is a leading non-bank lender transforming the way Australians access property equity. Purpose-built to make property transactions faster and easier, we pioneered the Buy Now, Sell Later solution - empowering homeowners to unlock their property equity and move on their terms. With a simple digital application, fast approvals, and flexible loan options, we're making property finance seamless and stress-free. We're now five years old and making huge strides. We've accredited over three-quarters of Australia's broker network, and launched white label solutions with Australia's largest aggregators - Connective, Aussie Home Loans, Finsure, and Loan Market Group - and we're just getting started. Our momentum has been recognised with awards including Best Growth Story at the 2025 Fintech Awards, the 2025 Finder People's Choice Award for Lending Innovation, Deloitte's Tech Fast 50 2025, and a place among LinkedIn's Top 20 Startups in Australia 2025 & 2026.

The role

This is the pricing seat at a scaling non-bank lender. You'll own the pricing position across the full product suite: where we sit by product and channel, where we should move to win, and the recommendation that gets us there. You'll own competitive response, the discretion framework the network prices within, and the commercial launch of new products, front-book origination through back-book portfolio. The calls are shaped by your recommendations, and your recommendations carry weight because they're built on your own analysis.

The difference you’ll make

You’ll inherit a working set of pricing tools and workbooks built by the Head of Strategic Finance, harden them into production-grade infrastructure, and stand up the workstreams not yet being executed: structured competitive analysis, systematic BDM deal intelligence, and portfolio pricing analytics. This is a single-threaded function that you own end to end, the modelling and Pricing Committee memos as much as the strategy and positioning. This is a data-driven house. Recommendations that arrive with the evidence and a clear read on what it does and doesn't support move the decision. If you want the commercial call to be yours to make the case for, earned through the analysis rather than asserted, and you thrive at the intersection of financial rigour and commercial ownership, this is the role.

What You’ll Do

• Own the commercial pricing position: Own the pricing position and propose whole-of-book direction: where we sit by product and channel, where we should move to win, brought to the Pricing Committee as an evidenced recommendation.
• Own competitive response: monitor the panel, and when a competitor moves, bring the proposed answer fast and execute once approved.
• Own new-product pricing and its commercial launch: rate structure through to positioning and channel approach.
• Provide the discretion framework and deal analytics that Sales operates with the network: where flex converts, what it costs in margin, and how penetration is trending.
• Bring recommendations to the Pricing Committee as decisions with a point of view, backed by data, not options papers handed to the room.

• Maintain the Pricing Monitor, Rate Card Master, and all four system rate reconciliations.
• Draft, circulate, and implement Pricing Committee memos end to end.
• Run unit economics checks (NIM, contribution margin, floor gap) on every pricing change.
• Lead the Price Change Working Group from PC approval through post-implementation QA.
• Build the portfolio pricing analytics workstreams not yet running;
• Business owner for portfolio performance reporting: own the metric definitions, interpretation, and the read to the Pricing Committee and Risk Council, with the build and pipeline executed and supported by the Data & Analytics team.
• Portfolio yield decomposition: gross yield, NIM, and contribution margin by product, vintage, channel, and archetype.
• Pricing realisation analysis: effective rate vs rate card, discretion penetration by channel, mix shift versus pricing assumptions.
• Discharge economics and lifetime pricing analytics across the product suite.
• Monthly competitive intelligence across the full lender panel: rates, credit policy, product launches, broker commissions.
• Archetype-weighted competitive positioning.
• Pricing effectiveness scorecard: conversion by rate point, pull-through by broker cohort, volume response.
• Back-book yield monitoring and repricing candidates dashboard.
• Quarterly BDM deal-level intelligence synthesis and borrower persona refresh.

• Partner with Marketing on broker-facing positioning, campaign timing, and rate change comms.
• Coordinate post-RBA comms windows across front-book and back-book.
• Partner with Credit, Product, and Treasury on funding cost inputs, policy alignment, and product design.

What We Are Looking For

• Reasons instinctively from data, and is disciplined about stating what incomplete data can and cannot support.
• Demonstrated ownership of a rate card, loading matrix, or Pricing Committee process.
• 4 to 6 years in a non-bank lender, bank, or mortgage aggregator with direct exposure to pricing, portfolio analytics, or treasury.
• Residential or commercial lending domain knowledge required; warehouse funding cost mechanics strongly preferred.
• Strong on IRR, NIM waterfall, contribution margin and funding cost mechanics; computes from first principles.
• Excellent modelling discipline across models, tools, and analysis, this is critical; runs post-change effectiveness analysis independently.
• Fluent in AI-assisted workflows; owns a prompt library and reuses it.
• Clear, structured written output; PC memos and internal comms in plain, direct prose.
• Able to step into PC chair function in the Head of Strategic Finance's absence.

Why join us?

• Extra days off: birthday leave, Kudos leave + an additional day of paid leave to be used for life events, celebrations or just a mental health reset.
• Two weeks from anywhere: swap your desk for a change of scenery and work remotely for two weeks every year.
• Training & development budget: a dedicated budget for courses, conferences and learning, plus internal learning programmes.
• Generous parental leave: time to focus on what matters most when your family grows.
• Discounted gym membership: we’ll help cover the cost.
• Catered team lunches and a social calendar packed with events all year round.
• Dog-friendly Sydney HQ office with a rooftop for lunch breaks and team catch-ups.

A heads-up that because we operate in the financial services space, any offer made will be subject to successful pre-employment screening, including reference checks and a standard police check.