NEW DIGITAL BANK MISSION STATEMENT

Join us on our mission to create a completely new, 100% digital bank that truly serves customers' best interests. We are a close knit and fun-loving team of seasoned financial services professionals who came together for the challenge of building a bank from scratch — and we are committed to doing it all the right way (from technology infrastructure to modern marketing to customer experience). We work with the flexibility and speed of start-up. But we also have significant stability and capital from being part of the SMBC Group (Sumitomo Mitsui Banking Corporation).

SMBC is the 2nd largest bank in Japan, and the 12th largest bank in the world with operations in over 40 countries. And SMBC is committed to disrupting the US marketplace with ground-breaking products.

It's the best of both worlds, and we are seeking proven marketing leaders to propel us towards national launch. We have both the ambitious growth plans and the "patient capital" necessary to execute a multi-year plan. Join us on the journey to deliver an exciting concept of evolved banking.

GERNERAL SUMMARY:

The Pricing and Valuations Analyst will be responsible for supporting the development and management of the Pricing Strategies and Valuations for the Unsecured Personal Loans product. Under supervision of the Credit Strategy Manager, the Pricing and Valuations Analyst will assist in building, managing, and implementing pricing strategies — including testing strategy and related valuations. The Pricing and Valuations Analyst will collaborate closely with cross functional partners across Marketing, Product, Technology and Operations to shape and contribute to the profitable growth of the product. In addition, the Pricing and Valuations Analyst will assist with ensuring internal controls documentation is maintained complete and accurate. The Pricing and Valuations Analyst must use domain knowledge and data driven recommendations to drive profitable growth for the organization.

PRINCIPLE DUTIES & RESPONSIBILITIES:

• Develop data driven pricing strategies by developing a test and learning agenda.
• Make compelling recommendations based on sound valuation principles and cost benefit analysis.
• Develop policy and procedures for pricing execution, including controls to ensure intended execution of strategies.
• Partner with Marketing, Product, Operations and Technology teams to ensure smooth execution and all key control requirements are met.
• Develop analytical reports to track pricing KRI's and present insights to senior management.
• Develop a robust testing agenda to help optimize and expand the business.
• Partner with data science team to explore innovative approaches, tools, and data sources to support improvements to the pricing strategies.
• Analyze credit bureau data to identify and derive segmentation for pricing to improve core performance metrics.
• Work with the modeling team to build valuations models and support NPV-based decision making.
• Ensure that all pricing strategies align with Firms financial objectives.
• Ensure compliance with policies and requirements for all assigned responsibilities.