HCUK Pricing Analyst

Banco Santander SA; Reigate; Hybrid; GBP 34,000 - 40,000; Full time

Benefits offered by this job

27 days annual leave

Company pension

Private medical insurance

Employee assistance program

Hybrid working

Job summary

Hyundai Capital UK Ltd is seeking a Pricing Analyst to support pricing policies, models, and processes, including maintaining pricing models, pricing input analysis, and MI reporting. The role reports to the Head of Pricing and involves collaboration with Finance, Risk, Sales and external partners.

The role is hybrid with a minimum two days per week at the Reigate, Surrey head office; flexibility and strong analytical skills are essential for driving profitability and managing pricing

Qualifications

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

Responsibilities

• Price modelling: maintain dynamic pricing models and update assumptions.
• Price analysis: provide timely pricing data and assess product performance.
• Reporting: maintain MI reports and dashboards; explain movements.
• Stakeholder engagement: collaborate with Finance, Risk, Sales, and partners.
• Responsible use of AI: use approved AI tools and ensure outputs are accurate and compliant.

Skills

Analytical thinking

Problem solving

Recognising patterns

Attention to detail

Communication

Teamwork

Time management

Education

Degree in Business Administration, Economics, Statistics, Mathematics

Tools

Microsoft Excel

SAS

MI/Reporting tools

Job description

HCUK Pricing Analyst

Country: United Kingdom

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 escalation 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

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

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.

Schedule

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

Company Culture

The Santander Effect Our work touches 140 million lives every day. How? By always innovating, sharing our experiences, questioning how we do things and adapting to new challenges. As we keep reinventing ourselves for the digital age, you’ll find that with us, even your smallest action will have a massive impact. That’s the Santander Effect.