Service expert in retail lending

We are looking for a Service Expert in TBC's Retail Lending League, in the Retail Lending Loan Profitability team. You will be part of a team involved in managing the pricing process for retail loan products, assessing individual loan offers, and improving the profitability of the bank's loan portfolio. You will have the opportunity to take part in important business decisions, work with financial and commercial data, and contribute to the development of the bank's pricing strategy.

• Review and assess individual pricing requests for retail loan products;
• Analyze the financial profitability of loan offers;
• Prepare pricing decisions taking into account the bank's profitability and the competitive environment;
• Participate in managing the pricing exceptions and delegation process;
• Monitor the use and effectiveness of pricing limits (Envelopes);
• Analyze the competitive environment and offers available on the market;
• Prepare analytical reports and relevant recommendations;
• Participate in improving pricing processes and methodology.

• We are looking for someone with analytical thinking, an understanding of financial data, and the ability to assess business processes.
• Be interested in financial analysis and data-driven decision-making;
• Be able to independently find, process, and analyze information and draw relevant conclusions;
• Have the ability to identify problems and suggest ways to solve them;
• Be able to communicate and collaborate effectively with different teams;
• Be interested in loan products, their pricing, and profitability.
• Higher education in finance, economics, business administration, mathematics, or a related field;
• At least 1 year of work experience in the banking/financial sector in lending;
• Knowledge of working with databases;
• Good knowledge of working in Excel;
• Financial and mathematical analysis skills;
• English language skills at a conversational level.
• Будет плюсом: Experience in loan product pricing and profitability analysis; Knowledge of SQL or Power BI

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