Private Client Pricing and Risk Manager

2 weeks ago

London, United Kingdom Investec Full time

Investec is a distinctive Specialist Bank serving clients principally in the UK and South Africa. Our culture gives us our edge: we work hard to find colleagues who'll think out of the ordinary and we put them in environments where they'll flourish. We combine a flat structure with a focus on internal mobility. If you can bring an entrepreneurial spirit and a desire to learn and collaborate to your work, this could be the boost your career deserves.

Are you a Financial Modeller?

Do you have experience working in the Private Banking sector?

Are you looking for your next role where you can make an impact?

What is the purpose of the role?

The Pricing and Risk manager plays a vital role in developing and maintaining robust analytical models to support lending decisions, interest rate risk management, and returns optimization within the Private Client business. This role requires a strong understanding of financial modelling, cash flow modelling, credit scoring, return on equity (ROE) modelling, and other relevant analytical techniques. The Pricing and Risk manager collaborates with stakeholders across the business, including finance, risk, treasury, product, and sales teams, to ensure alignment between technical elements and business objectives.

What are the main responsibilities of the role?

Pricing Analysis : Manage and update pricing across the offering, combining drivers such as FTP, funding spread, and market swap rates to achieve targeted ROE hurdle rates. Conduct regular market analysis on competitor pricing and respond to pricing queries from Bankers. Interest rate risk management: Enhance the understanding and management of prepayment and pipeline risk. Collaborate with Treasury and Asset & Liability Management teams to regularly review exposure assumptions. Regulatory Capital: Understand how future regulatory changes will impact Risk-Weighted Assets (RWAs) and pricing. Identify booking errors and propose ways to improve and optimize RWAs. Model Development and Maintenance: Develop, maintain, and review accurate and robust analytical models to support lending decisions, risk management, and returns optimization. This includes affordability modelling, cash flow modelling, financial modelling, credit scoring modelling, ROE modelling, prepayment risk modelling, and IRB modelling. Regularly update and enhance existing models to improve accuracy, simplicity, and efficiency. Model Performance Evaluation : Monitor and evaluate the performance of existing models, identifying areas for enhancement, and proposing changes to improve accuracy and efficiency. Conduct regular reviews of models to ensure compliance with regulatory requirements and internal policies. Data Analysis and Insights: Conduct in-depth analysis of data and market trends to identify patterns, insights, and opportunities for improvement  in the technical aspects of the Private Client business. Provide actionable recommendations based on data-driven insights. Collaboration and Stakeholder Support : Collaborate with cross-functional teams, including finance, risk, and product teams, to understand requirements and ensure effective implementation and utilization of models. Provide technical expertise and support to stakeholders involved in the Private Banking business.

By effectively fulfilling these responsibilities, the Pricing and Risk Manager contributes to the overall success of the Private Client business by providing robust analytical models, data-driven insights, and technical expertise. Their contributions support informed lending decisions, effective risk management, and optimization of returns. Through their expertise in financial modelling, pricing analysis, risk management, and collaboration with stakeholders, they play a crucial role in driving the growth and profitability of the Private Client business.

What core skills and knowledge are we looking for?

Strong understanding of pricing strategies, risk management, and financial modelling in the lending industry. Knowledge of interest rate risk and experience in assessing exposure assumptions. Familiarity with regulatory requirements and their impact on RWAs and pricing. Proficient in developing and maintaining analytical models for lending decisions. Attention to detail and ability to review and approve changes to lending documentation. Excellent communication and collaboration skills to work effectively with various teams. Strong analytical and problem-solving abilities to identify and address issues. Ability to adapt to changing market conditions and regulatory landscape

As part of our collaborative & agile culture, our working week is 4 days in the office and one day remote.

Investec offers a range of wellbeing benefits to make our people feel healthier, balanced and more fulfilled in their lives inside and outside of work.

Here is a selection of what we offer;

Wellbeing

Wellbeing Subsidy, Corporate Gym Membership, Virtual GP, Peppy Health App (Fertility, Menopause and Early Parenthood), Optional Private Medical & Dental Insurance

Monetary

Non-contributory Pension & Discretionary Bonus

Life & Income Protection

Life Assurance, Critical Illness & Income Protection

Travel

Season Ticket Loan & Electric Vehicle Scheme 

Embedded in our culture is a sense of belonging and inclusion. This creates an environment in which everyone is free to be themselves which helps to drive innovation, creativity and ultimately business performance. At Investec we want everyone to find it easy to be themselves, and to feel they belong. It's a responsibility we all share and is integral to our purpose and values as an organisation.

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