Commercial Analyst - Savings

Commercial Analyst - Savings

Location: Head Office, London

Hours: Monday to Friday, 9:00am-5:30pm

Working Pattern: Hybrid (50/50)

Reports to: Commercial Manager - Savings

Department: Savings & Marketing - Savings Team

About the Role

We're looking for a highly analytical and commercially minded Commercial Analyst to support the growth of our awardwinning Savings business. This is a pivotal role where you'll analyse market trends, customer behaviour and competitor activity to inform pricing, product positioning and strategic decisionmaking.

You'll work across forecasting, performance reporting, profitability modelling and pricing proposals - playing a key part in ensuring HTB remains competitive, compliant and aligned to its ambitious savings strategy.

If you love data, enjoy telling a story through insight, and want to influence strategic outcomes within a fastgrowing specialist bank, this role offers exactly that.

Key Responsibilities

Market & Customer Insight

• Conduct comprehensive competitor analysis to understand pricing trends and market movements
• Analyse customer behaviour to identify pricing sensitivities and optimise product strategy
• Monitor swap/base rates, customer rates, operational costs and acquisition/retention dynamics

Forecasting & Commercial Modelling

• Produce inflow and outflow forecasts to meet Treasury requirements
• Ensure the savings deposit book remains within risk limits
• Undertake profitability analysis across products and customer cohorts
• Provide commercial insight that supports pricing proposals and decisionmaking

Governance, Pricing & Reporting

• Support production of pricing papers for the Pricing Committee
• Create exhibits and analysis for ALCO and other forums
• Report on customer acquisition, retention, channel usage and cost performance
• Contribute to governance packs (MBR) and departmental reporting

CrossFunctional Collaboration

• Partner with Savings Product Operations, Treasury, Marketing, Customer Operations and Pricing Committee members
• Work with external partners such as marketdata providers and pricing optimisation tool suppliers

Who You'll Work With

Internal:

• Savings Product Operations
• Treasury
• Marketing & Customer Experience
• Savings Customer Operations
• Pricing Committee

External:

• Market data providers
• Machinelearning pricing optimisation partners

What We're Looking For

Qualifications & Experience

• Experience in financial services, ideally within savings
• Highly advanced analytical skills and strong problemsolving ability
• Experience developing insights and visualisations (Tableau advantageous)
• Strong prioritisation skills and commercial awareness

Competencies & Attributes

• Organised, proactive and professional
• Curious mindset with strong risk awareness
• Strong interpersonal and communication skills
• Selfstarter with high levels of initiative
• Collaborative team player with a continuousimprovement mindset

Benefits

• Competitive remuneration
• Discretionary annual bonus
• Annual pay review
• Private Medical Insurance (Bupa)
• Wellbeing support via YuLife & Bupa
• 25 days annual leave (increasing with service) + Holiday Buy Scheme
• Cycle to Work & Green Car Schemes
• Enhanced family leave
• Study support & professional memberships
• Hybrid working (50/50)
• YuLife Rewards - retail, lifestyle & experience discounts
• Pension scheme - 8% employer contribution (noncontributory)
• Interestfree season ticket loan
• Annual volunteering day & Net Zero commitment

If you're passionate about using insight to shape commercial decisionmaking and want to play a key role in the future of HTB's Savings proposition, we'd love to hear from you .