Deposit Pricing & Competitive Intelligence Analyst

Vanguard; Charlotte (NC); On-site; USD 110,000 - 150,000; Full time

Job summary

Vanguard is seeking a Deposit Pricing & Competitive Intelligence Analyst in Charlotte to advance pricing analytics for Cash Plus and Vanguard Cash Deposit. You will investigate market trends, model scenarios, and provide actionable recommendations to balance client value with growth and risk.

The role demands strong data analysis, forecasting, and the ability to communicate insights to senior leadership across multiple teams.

Qualifications

• Five years of related experience in pricing, analytics, or finance.
• Ability to analyze complex data and translate findings into actionable recommendations.
• Experience with forecasting, pricing analysis, portfolio analytics, or similar quantitative decision support.
• Strong written and verbal communication for executive-ready insights.

Responsibilities

• Develop strategic, competitive, product, and pricing analyses with stakeholders.
• Analyze portfolio, pricing, client and market data to identify drivers and opportunities.
• Evaluate pricing, price elasticity, rate trends, and forecast performance.
• Build tools to forecast rates and balances and assess outcomes.
• Present findings in executive-ready dashboards and governance materials.
• Collaborate with product, finance, risk, analytics, marketing, and other teams.

Skills

Financial analysis

Forecasting

Pricing analysis

Data analysis

Executive communication

Stakeholder collaboration

Ambiguity management

Education

Bachelor's degree

Tools

Power BI

Tableau

Excel

S&P Capital IQ Pro

Copilot

Archer

SOX controls

Job description

Position Overview: Vanguard's Personal Wealth division is transforming how investors access personalized financial advice. We help individuals and families pursue their financial goals through a broad range of advice and wealth management solutions.

The Cash & Savings team supports Vanguard's cash management ecosystem, including Cash Plus and Vanguard Cash Deposit. The team evaluates market conditions, competitive rates, client behavior, portfolio performance, and financial outcomes to inform pricing and product decisions.

As a Deposit Pricing & Competitive Intelligence Analyst, you will conduct strategic analysis and develop insights that support Vanguard's cash products. You will independently investigate trends, connect information from multiple sources, and recommend actions that balance client value, growth, profitability, capacity, and risk.

The Impact You'll Make: You will strengthen Vanguard's deposit-pricing, forecasting, scenario-planning, and portfolio-analysis capabilities. Your work will inform decisions that affect the growth, performance, and client value proposition of Cash Plus and Vanguard Cash Deposit. You will analyze complex data, monitor competitive and economic developments, and translate findings into clear recommendations for leaders and governance forums. Success in this role requires intellectual curiosity, strong analytical judgment, and the ability to distinguish operational issues from broader market or pricing effects.

Core Responsibilities:

• Develop strategic, competitive, product, and pricing analyses. Partner with stakeholders to define business questions, analytical approaches, and decision requirements.
• Analyze complex portfolio, pricing, client, market, and financial data to identify business drivers, risks, opportunities, and actionable insights.
• Evaluate competitive pricing, deposit betas, price elasticity, interest-rate trends, client behavior, money movement, balance growth, profitability, and forecast performance.
• Build and enhance analytical tools used to forecast rates and balances, evaluate pricing scenarios, and assess potential financial and business outcomes.
• Monitor Federal Reserve communications, economic indicators, competitor activity, public disclosures, earnings reports, and market intelligence.
• Create and present business intelligence findings through executive-ready presentations, dashboards, written recommendations, and governance materials.
• Partner with product, finance, risk, analytics, marketing, and other stakeholders to evaluate alternatives, validate assumptions, support decisions, and monitor results.
• Apply a risk-and-control mindset by challenging assumptions, identifying concerns, and maintaining accurate data, models, forecasts, and supporting documentation.
• Participate in special projects and perform other duties as assigned.

What You'll Bring:

• Five years of related experience.
• An undergraduate degree or an equivalent combination of training and experience.
• Demonstrated ability to analyze complex data, identify business drivers, and translate findings into actionable recommendations.
• Experience with forecasting, financial modeling, scenario analysis, pricing analysis, portfolio analytics, or comparable quantitative decision support.
• Strong written and verbal communication skills, including the ability to create and present executive-ready insights and recommendations.
• Demonstrated ability to take ownership, independently establish priorities, and work effectively through ambiguity and changing business needs.
• Strong business judgment, attention to detail, and a risk-and-control mindset.
• Ability to build effective relationships and collaborate across multiple teams and stakeholder groups.

Preferred Qualifications:

• Experience in banking, fintech, brokerage, wealth management, cash management, or investment products.
• Experience with deposit pricing, deposit portfolio management, deposit beta, price elasticity, rate forecasting, client segmentation, or tiered pricing.
• Experience analyzing public disclosures, earnings reports, earnings-call transcripts, economic data, or Federal Reserve policy.
• Familiarity with cash sweep operations or bank-network products.
• Experience with Curinos, ProSight, S&P Capital IQ Pro, advanced Excel, Power BI, Tableau, PowerPoint, Archer, SOX controls, or Copilot.

Why Vanguard:

At Vanguard, our mission is to take a stand for all investors, treat them fairly, and give them the best chance for investment success. You'll collaborate with colleagues who bring diverse perspectives, challenge assumptions, and focus on doing what's right for clients and the business.

Special Factors

• Sponsorship
• Vanguard is not offering visa sponsorship for this position.

About Vanguard

At Vanguard, we don't just have a mission-we're on a mission. To work for the long-term financial wellbeing of our clients. To lead through product and services that transform our clients' lives. To learn and develop our skills as individuals and as a