Senior Analyst, Pricing & Strategy
LOCATION
124 East 14th Street, Suite 1100 - New York, New York 10003; Mobile/Hybrid work schedule - 2-3 days in office.
QUALIFICATIONS
2+ years in financial services, strong analytical skills, proficiency in Microsoft Excel, familiarity with SAS or SQL, and a Bachelor's degree required. Experience in lending products and capital markets is preferred.
RESPONSIBILITIES
Assist in pricing strategy development for lending and deposit products, conduct profitability analyses, create Excel models for scenario analyses, collaborate with cross-functional teams, and manage risk compliance activities.
INDUSTRY
Fintech Banking
SHORT DESCRIPTION
Laurel Road is seeking a Senior Analyst to support pricing initiatives, profitability management, and capital markets activities, contributing to digital-first financial solutions.
We are searching for a Senior Analyst with a strong analytical skillset to join the Pricing & Strategy team to drive pricing initiatives, profitability management, support capital markets activities and other high impact projects on lending and deposit products during a pivotal time in our business. This role will include involvement in capital markets-related responsibilities and is multi-faceted, requiring someone who is highly motivated and willing to go above and beyond to take a project from start to finish.
- Assist with pricing strategy development, maintenance, and implementation for lending and deposit products such as student loan, personal loan, savings, and checking
- Conduct profitability analyses to optimize pricing structure and estimate returns
- Create dynamic excel models to run scenario analyses to inform pricing decisions and other top-of-house business priorities
- Serve as the lead contact for the business on product pricing and the interest rate environment holistically; have a firm understanding of competitor pricing, application dispersion, conversion, rate distribution, and other KPIs; Summarize complex analysis into a digestible format to present to other teammates or senior leadership
- Collaborate cross-functionally with Marketing and Product to drive top of house goals and enhance overall member experience
- Assist with capital markets related activities such as loan sales/purchases, securitizations, and investor inquiries
- Identify ways to improve risk management across pricing and capital markets activities; work closely with Risk/Compliance partners to ensure that appropriate controls are in place and solutions are documented for potential risk
- Understand and adhere to the Company’s risk and regulatory standards, policies and controls in accordance with the Company’s Risk Appetite. Identify risk-related issues needing escalation to management
- Leverage SAS to pull data as needed for ad hoc analyses
- 2+ years in financial services, banking, or fintech (prior investment banking, management consulting, corporate finance, corporate treasury and/or pricing experience preferred)
- Understanding of how installment loans work and mortgage-style amortization. Experience with deposit products is a plus!
- Strong analytical mindset, data driven decisioning and insights
- High attention to detail and ability to manage multiple projects simultaneously with little oversight
- Creative and solution-oriented problem solver with a strong customer focus
- Intermediate to advanced use of Microsoft Excel required; must be comfortable navigating big datasets across sheets/files and consolidating data into summary tables
- Proficient use of Microsoft Office Suite (i.e., Word, Excel, Outlook, and PowerPoint)
- Experience or exposure to capital markets activity is preferred but not required
- Experience with SAS or SQL preferred
- Bachelor’s degree required
- Analytical Skillset: Is comfortable scrubbing data and creating summary tables in a digestible manner; ability to build dynamic excel models using appropriate assumptions; enjoys using data to tell a story
- Financial Literacy: Understanding of how mortgage-style payments and installment loans work; strong foundational knowledge of basic financial concepts, components of profit-and-loss statements, risk/reward principals, etc.
- Risk Management Focus: Proactively identify controls that may not be in place today for potential risks; find ways to improve risk management processes across pricing and capital markets activities
- Problem Solver: Can think through complex problems and create a plan to identify root causes, remediate the issue, and prevent the issue from becoming a recurring problem; able to approach situations from different points of view to anticipate future problems
- Attention to Detail: Navigates and creates excel models with minimal errors; follows detailed procedures for pricing related activity to adhere to risk/compliance requirements
- Initiative: Proactively seeks out and assesses opportunities that will further the Laurel Road mission; originates action rather than only responding to suggestions and direction from others
- Time Management/Priority Setting: Uses time effectively and efficiently; achieve high quality results in a fast-paced, deadline driven, competing priority environment
Qualified individuals with disabilities or disabled veterans who are unable or limited in their ability to apply on this site may request reasonable accommodations by emailing
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