Pricing and Profitability Consultant – Personal and Private Banking
Job Summary
We are looking for a strategic Pricing and Profitability Consultant to join our Customer Risk team. This role will drive initiatives across unsecured, secured, and insurance products to optimize risk-adjusted returns, define risk appetite, and simulate lending strategies using customer-level profitability insights and scenario models.
Key Responsibilities
- Develop account-level profitability models by defining revenue and cost drivers tailored to product types and segments.
- Conduct deep dives into profitability by product, risk, price, and customer cohort, identifying high-ROE and low-retention segments.
- Define risk appetite thresholds, simulate risk-return trade-offs, and design concentration risk limits aligned with portfolio strategy.
- Create and monitor price-point strategies to unlock margin value and customer lifetime profitability.
- Translate customer behavior and CLTV insights into segment-specific lending strategies.
- Run lending strategy simulations under macro, portfolio, and customer behavior scenarios to guide tactical decisions.
- Work with product and finance stakeholders to shape Go / No-Go decisions and long-term capital planning.
- Support the build-out of performance dashboards and visualize pricing, profitability, and strategy metrics using Power BI or similar tools.
Required Skills & Experience
10+ years in retail banking, risk analytics, and profitability modeling.Strong understanding of RoE, customer lifetime value, and portfolio risk-return frameworks.Hands-on expertise in segmentation, pricing analytics, and capital allocation.Proficiency in SAS / Python, Excel and PowerPoint for insight generation.Experience working with cross-functional teams across product, risk, finance, marketing, and data engineering.Familiarity with lending simulation models, stress testing, or capital demand forecasting.