HCUK Pricing Analyst

Banco Santander SA; Redhill; Hybrid; GBP 33,000 - 40,000; Full time

Benefits offered by this job

27 days annual leave

Company pension

Private medical insurance

£500 voluntary benefits allowance

Death in service

Discounted healthcare benefits

Employee assistance program

Job summary

Hyundai Capital UK Ltd is a joint venture formed in 2012 by Santander Consumer UK and Hyundai Capital Services Korea, delivering funding solutions to retailers and consumers across Hyundai Finance, Kia Finance and Genesis Finance brands.

The Pricing Analyst reports to the Head of Pricing and will support pricing policy development, model maintenance, and MI reporting, while providing analytical insight to optimise profitability and risk management.

Qualifications

• Pricing, risk or financial analysis experience within financial services.
• Strong data analysis and manipulation skills.
• Advanced Excel and Office skills.
• Experience with MI/reporting and financial data.
• Knowledge of regulatory and compliance policies in financial services.

Responsibilities

• Maintain and update pricing models and build pricing proposals.
• Provide pricing information and analyze product performance.
• Explain pricing methodologies for loan, lease and wholesale products.
• Maintain MI reporting suites and dashboards, and explain key movements to management.
• Collaborate with Finance, Risk, Sales and other departments to support pricing decisions.
• Identify risks and incidents in line with policies and procedures.
• Use approved AI tools and ensure outputs are accurate and compliant.
• Perform additional tasks as reasonably requested.

Skills

Analytical thinking

Problem solving

Attention to detail

Communication

Teamwork

Time management

Education

Finance-related degree (Business Administration / Economics / Statistics / Mathematics)

Tools

Excel

SAS

Job description

HCUK Pricing Analyst Country: Reino Unido

Background

Hyundai Capital UK Ltd is a joint venture established in 2012 by Santander Consumer UK and Hyundai Capital Services Korea. It operates under the Hyundai Finance, Kia Finance, and Genesis Finance brands, providing funding solutions to both retailers and consumers.

Job Purpose

The Pricing Analyst reports to the Head of Pricing and supports the development, implementation, and review of pricing policies, models, and processes. Key functions include maintaining and updating pricing models, supporting contract hire pricing, analysing data to inform pricing decisions, improving reporting, providing input on portfolio performance and contributing to wider business activities as needed.

Key Accountabilities

• Price Modelling Manage and maintain dynamic pricing models. Validate and update key assumptions. Support the Head of Pricing in building pricing proposals.
• Price Analysis Provide timely and accurate pricing information, ensuring profitable products and tactical initiatives are created, reviewed and maintained effectively. Understand how data inputs influence pricing Analyse and monitor product performance and escape potential issues affecting future losses.
• Technical Advice Stay informed on external factors influencing pricing such as economic conditions, automotive market trends, and regulations. Understand and explain pricing methodologies for products including loan, lease, and wholesale products, including tax considerations. Demonstrate awareness of the impact of pricing methodology changes on business profitability.
• Reporting Maintain and enhance management information (MI) reporting suites and dashboards. Identify and explain key monthly report movements to line management, demonstrating accuracy, insight and understanding the financial data being reported.
• Stakeholder Engagement Build effective relationships with internal teams, manufacturer partners, joint venture partners, data providers, outsourced operational teams, and third party suppliers. Collaborate with Finance, Risk, Sales, and other departments to support effective pricing activity and decisions.
• Risk and Compliance Identify risks, incidents, and breaches in line with company policies and procedures.
• Responsible Use of AI Confidently use approved AI tools to support role objectives. Ensure AI outputs are accurate, explainable, and compliant with company policies and data protection. Develop AI competency and identify opportunities to improve quality and efficiency through AI.
• Other Duties Perform additional tasks as reasonably requested.

Key Competencies

• Analytical Thinking: Ability to break down complex tasks into component parts and consider each part in detail. Able to grasp ideas quickly.
• Problem Solving: Ability to identify issues, assess available information and develop practical, evidence-based solutions.
• Recognising Patterns: Linking concepts and data for deeper insight into factors influencing pricing.
• Attention to Detail: Maintaining accuracy under pressure.
• Communication: Clear written and verbal communication, and able to engage effectively with diverse stakeholders.
• Teamwork: Collaborative working relationships.
• Time Management: Ability to effectively plan and prioritise workload independently and across multiple projects.

Key Expertise

Relevant pricing, risk, or financial analysis experience in financial services, preferably automotive or asset finance. Strong data analysis and manipulation skills. Advanced Microsoft Excel and Office skills. Experience with MI/reporting and technical knowledge. Broad understanding of financial services operations, automotive market dynamics, and residual value data management. Knowledge of financial services regulatory and compliance policies. Demonstrable finance experience or degree-level education in Business Administration, Economics, Statistics, Mathematics, or related fields.

Desirable but not essential

• Part-qualified or studying towards accountancy qualifications (ACA, CIMA, ACCA, AAT).
• Knowledge of SAS.

Other Information

The role is hybrid, requiring a minimum of two days per week at the Reigate, Surrey head office.

Remuneration Package

Starting salary range: approximately £33,750 to £40,000, dependent on experience / expertise. Eligibility for an annual bonus based on company and individual performance.

Benefits

• 27 days annual leave plus public / bank holidays, with a flexible holiday scheme.
• Additional one day of annual leave after five years of continuous service.
• Company pension with generous employer contributions.
• Private medical insurance after one year of continuous service.
• £500 voluntary benefits allowance annually.
• Death in service and income protection benefits.
• Voluntary discounted healthcare benefits including dental and health assessments.
• Employee car scheme via salary deductions (available post probation).
• Employee assistance program.
• Inclusive leave and family-friendly policies.
• Flexible working opportunities.

To find out more about this role and our company.

O Efeito SantanderNosso trabalho atinge 140 milhões de vidas todos os dias. Como? Sempre inovando, compartilhando nossas experiências, questionando como fazemos as coisas e nos adaptando a novos desafios. À medida que continuamos nos reinventando para a era digital, você descobrirá que, conosco, até mesmo sua menor ação terá um impacto enorme. Esse é o Efeito Santander.