An established and rapidly growing Australian financial services business operating within the non-bank lending sector is looking to expand its commercial team.

The business provides innovative property finance solutions through a broad network of third-party distribution partners. Having experienced significant growth over recent years, it is continuing to invest in its products, technology and commercial capabilities.

This is an opportunity to join an ambitious organisation at an exciting stage of its development, with the ability to make a meaningful contribution to its commercial strategy.

Reporting into the senior finance leadership team, the Pricing Manager will take ownership of pricing strategy and commercial performance across the organisation's lending products.

This is a broad, commercially focused position combining financial modelling, market intelligence, portfolio analysis and strategic decision-making.

You will be responsible for assessing the competitiveness and profitability of lending products, developing pricing recommendations and ensuring commercial decisions are supported by robust financial analysis.

The role will also involve developing and enhancing the existing pricing framework, introducing more sophisticated portfolio analytics and working closely with senior stakeholders across Finance, Treasury, Product, Credit and Sales.

This is an opportunity for someone who enjoys working autonomously, translating complex financial information into commercial recommendations and taking ownership of a function within a growing business.

Pricing Strategy & Commercial Management

• Develop and maintain the organisation's pricing strategy across its lending products and distribution channels.
• Monitor market movements and competitor activity, identifying opportunities to improve competitive positioning.
• Evaluate proposed pricing changes and present commercially focused recommendations to senior leadership.
• Support the development and commercial introduction of new lending products.
• Establish pricing guidelines and approval frameworks to support commercial negotiations and customer-specific pricing decisions.
• Assess the impact of pricing decisions on lending volumes, profitability and customer acquisition.

Financial Modelling & Pricing Execution

• Maintain and enhance financial models, pricing tools and supporting infrastructure.
• Analyse lending economics, including interest margins, funding costs, contribution margins and expected returns.
• Assess the financial implications of proposed pricing adjustments before implementation.
• Coordinate pricing changes across internal systems and relevant business stakeholders.
• Prepare commercial papers and recommendations for senior management and governance forums.
• Monitor the effectiveness of pricing decisions and identify opportunities for further optimisation.

Portfolio & Market Analytics

• Develop enhanced reporting and analytical capabilities to assess lending portfolio performance.
• Analyse portfolio profitability across products, customer segments, distribution channels and loan vintages.
• Evaluate the relationship between advertised pricing, actual lending rates and negotiated discounts.
• Monitor portfolio yields, customer retention, refinancing activity and loan discharges.
• Develop competitor benchmarking and market intelligence reporting.
• Assess the effectiveness of pricing changes against conversion rates, lending volumes and profitability targets.
• Identify opportunities to improve returns across both new lending and the existing loan portfolio.

Stakeholder Management

• Work closely with Treasury to understand funding costs and their implications for lending profitability.
• Partner with Product and Credit teams on product development and pricing considerations.
• Collaborate with Sales and Distribution teams to establish commercially appropriate pricing frameworks.
• Support Marketing with market positioning and communication of pricing changes.
• Present findings and recommendations to senior management, clearly articulating the commercial implications of proposed decisions.

• Approximately 4-6 years' experience within banking, non-bank lending, mortgage finance or a related financial services environment.
• Previous exposure to lending pricing, treasury, portfolio analytics, commercial finance or product strategy.
• Experience contributing to or owning pricing frameworks, rate structures or commercial pricing recommendations.
• Strong understanding of lending economics, including net interest margin, funding costs, contribution margin and product profitability.
• Advanced financial modelling and analytical capabilities, with the ability to develop calculations and models independently.
• Understanding of residential or commercial lending products and associated funding structures.
• Experience analysing portfolio performance, competitor positioning and commercial outcomes.
• Strong communication skills, with the ability to present complex financial information in a clear and commercially relevant manner.
• Comfortable operating autonomously and managing multiple priorities in a fast-paced, growing organisation.

This is an excellent opportunity for an analytically strong finance professional to step into a commercially influential position within a growing financial services business.

You will have significant ownership of pricing strategy, direct exposure to senior decision-makers and the opportunity to develop a more sophisticated pricing and analytics function as the organisation continues to scale.