offres d’emploi chez Waitrose à United States

Hello, we’re Starling. We built a new kind of bank because we knew technology had thepower to help people save, spend and manage their money in a new and transformative way. We’re a fully licensed UK bank with the culture and spirit of a fast-moving, disruptive tech company. We’re a bank, but better: fairer, easier to use and designed to demystify money for everyone. We employ more than 3,500 people across our London, Southampton, Cardiff and Manchester offices.

Own pricing and commercial strategy for retail banking products.

We’re looking for a commercially minded Pricing Analyst to take the lead on pricing and commercial ownership across our retail banking portfolio, with a particular focus on liabilities. Leveraging data analysis and model development, you’ll play a critical role in shaping strategy and driving performance.

In this role, you will assume full commercial ownership at product level, accountable for delivering against key objectives across the P&L and balance sheet. You’ll work cross functionally to influence outcomes, optimise pricing and support data-led decision making.

Operating within a clear governance framework, you’ll have the autonomy to make decisions that directly contribute to our commercial success, while working in an environment that values rigour, innovation and impact.

Key Responsibilities Include:

1. Pricing (Liabilities and overdraft)

• Bring in market insights and pricing across Personal Current Accounts, Overdraft and Savings
• Inputs into the commercial plan for Retail Banking
• Shape pricing proposals on a regular basis
• Demonstrate P&L and Balance Sheet impact
• Incorporate sensitivity analysis as a part of pricing decisions
• Drive customer growth
• Input into customer engagement and campaign initiatives

• Develop pricing data models with Starling product and price attributes
• Ingest external market data
• Develop Predictive models of potential pricing options
• Enable Self serve models with ability to run sensitivity analysis

• Shape the commercial objectives across P&L and Balance Sheet
• Periodic review of commercial performance and upcoming actions
• Embed macro economics and market outlook

• Embed Consumer Duty principles in all pricing decisions
• Design and monitor fair value principles in pricing decisions
• Input into any regulatory reporting as required

Experience:

• Proven liability pricing and commercial outcomes
• Data model development
• Working with Product teams, finance and treasury teams
• Working with Risk and regulatory teams
• Working with broader data and IT teams

Skills:

• Data modeling, machine learning, AI
• Self serve dashboards
• Knowledge of market data sets like ebenchmarkers, CACI etc.
• Awareness of financial forums and operations like ILAAP, stress scenarios etc.
• Strategic communication

Attributes:

• Customer focused
• Robust commercial acumen
• Regulatory awareness, especially Consumer Duty and related fair value principles
• Comfortable working at pace
• Constantly aware of macroeconomic developments and related impact on UK banking/ Starling

• 25 days holiday (plus take your public holiday allowance whenever works best for you)
• An extra day’s holiday for your birthday
• Annual leave is increased with length of service, and you can choose to buy or sell up to five extra days off
• 16 hours paid volunteering time a year
• Salary sacrifice, company enhanced pension scheme
• Life insurance at 4x your salary & group income protection
• Private Medical Insurance with VitalityHealth including mental health support and cancer care. Partner benefits include discounts with Waitrose, Mr&Mrs Smith and Peloton
• Generous family-friendly policies
• Incentives refer a friend scheme
• Perkbox membership giving access to retail discounts, a wellness platform for physical and mental health, and weekly free and boosted perks
• Access to initiatives like Cycle to Work, Salary Sacrificed Gym partnerships and Electric Vehicle (EV) leasing

About us:

You may be put off applying for a role because you don't tick every box. Forget that! While we can’t accommodate every flexible working request, we're always open to discussion. So, if you're excited about working with us, but aren’t sure if you're 100% there yet, get in touch anyway.We’re on a mission to radically reshape banking – and that starts with our brilliant team. Whatever came before, we’re proud to bring together people of all backgrounds and experiences who love working together to solve problems.

Starling Bank is an equal opportunity employer, and we’re proud of our ongoing efforts to foster diversity & inclusion in the workplace. Individuals seeking employment at Starling Bank are considered without regard to race, religion, national origin, age, sex, gender, gender identity, gender expression, sexual orientation, marital status, medical condition, ancestry, physical or mental disability, military or veteran status, or any other characteristic protected by applicable law. When you provide us with this information, you are doing so at your own consent, with full knowledge that we will process this personal data in accordance with our Privacy Notice. By submitting your application, you agree that Starling Bank will collect your personal data for recruiting and related purposes. Our Privacy Notice explains what personal information we will process, where we will process your personal information, its purposes for processing your personal information, and the rights you can exercise over our use of your personal information.