Deposit Pricing and Portfolio Manager
3 weeks ago
Application Deadline: Friday 17th May 2024
Hybrid Working Pattern - 3 days in Office & 2 WFH
About us
Cynergy Bank is the UK’s human digital bank serving the needs of ‘scale up’ or medium sized and fast-growing SMEs; professionals; high net worth and mass affluent individuals, in essence those market segments that still value human service enabled by great technology.
We recognise that professional and personal lives often overlap and our mission is to help empower our customers to achieve their ambitions by serving all their interdependent banking needs. We provide a comprehensive range of digitally enabled products and services to meet the property finance, business and commercial banking, private banking and personal savings needs of our customers.
Our human and digital model transforms banking for customers who still value a face-to-face relationship that is enabled by the latest digital technology.
We partner with firms such as Google Cloud, Cigniti and Slalom as we continue to innovate in the human digital space.
Cynergy Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Eligible deposits with Cynergy Bank Limited are protected by the UK Financial Services Compensation Scheme .
For more information on Cynergy Bank visit
Company Benefits
- Competitive Salary and Company Bonus
- 210 hours (30 days) holiday plus bank holidays
- Option to purchase an additional 10 days holiday
- Pension contribution and Life Assurance
- Income Protection Scheme and Season Ticket Loan
- Private Medical Insurance and Health Check (After Probation)
- Electric Car Scheme and Money Coach (After Probation)
The role
Deposit Pricing and Portfolio Manager role will report to Director of Liabilities and Payments and will be responsible for supporting the efficient operation the Bank’s suite of deposit and current account products and executing pricing strategies that optimise for both volume and margin trade-offs, working toward the Bank’s broader Strategy.
Responsibilities:
Take the lead in managing pricing and portfolio strategies, developing key customer and product insights and leverage those insights to boost business development.
Conduct and develop ongoing reporting with a view to continuously improving these to help inform ongoing tactical and strategic product/pricing decisions.
Support team with trusted advice on pricing optimisation through the ongoing development pricing/forecast models that build on visibility of customer elasticity, accurately predict product substitution/churn and support margin and cost optimisation initiatives.
Ensure documentation of processes, adherence to policies and procedures are in place and maintained which includes mapping of business processes with appropriate controls and obligations.
Work alongside different stakeholders across Treasury, Finance, Product, Marketing and Operations to balance business needs.
Become the expert on current market conditions, routinely conducting competitive analysis to maintain and review the competitiveness of our deposit products, and actively review potential new avenues for business.
Essential Knowledge & Experience
To be successful in this role, you will need:
Ideally degree in a Finance and/or business-related field and relevant experience in deposit/lending pricing, margin trade-offs and pricing models.
Strong understanding of drivers and levers of the lending and deposits portfolio with market/competitor experience.
Demonstrated analytical skills and able to analyse and interpretate data.
Ability to work collaboratively with stakeholders to achieve business goals.
- Technical skills
- Deposit market/competitor understanding and portfolio experience.
- Advanced Excel, Macros, advanced formula, modelling/forecasting
- SQL coding skills preferred but not essential
Relevant and/or preferred qualifications
Preferred Degree in a Finance and/or business-related field and relevant experience in deposit/lending pricing, margin trade-offs and pricing models.
- Soft skills
- Ability to communicate complex ideas effectively.
- Able to understand business concepts and convert those into accurate forecasts/models.
- Work collaboratively with a wide range of business stakeholders.
- Risk and/or governance responsibilities.
- Broad understanding of regulatory and compliance factors affecting deposit/current account products
- Outline of Leadership responsibilities
- Line manage Analyst/Manager to support pricing and data MI production.
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