Pricing Manager

Sydney, NSW. Full-time. Hybrid.

About the business

Our client is a quick-growing non-bank lender reshaping how Australians access property finance. Fast approvals, a clean digital application, and flexible loan options sit at the core of the offering. The business is scaling quickly, is well backed, and has strong distribution across the broker and aggregator network.

The role

This is the pricing seat at a scaling non-bank lender. You will own the pricing position across the full product suite: where the business sits by product and channel, where it should move to win, and the recommendation that gets it there. You will own competitive response, the discretion framework the network prices within, and the commercial launch of new products, from front-book origination through to back-book portfolio.

The calls are shaped by your recommendations, and your recommendations carry weight because they are built on your own analysis.

The difference you'll make

You will inherit a working set of pricing tools and workbooks built by the Head of Strategic Finance, harden them into production-grade infrastructure, and stand up the workstreams not yet running: structured competitive analysis, systematic BDM deal intelligence, and portfolio pricing analytics. This is a single-threaded function that you own end to end, the modelling and Pricing Committee memos as much as the strategy and positioning.

This is a data-driven house. Recommendations that arrive with the evidence, and a clear read on what it does and doesn't support, move the decision. If you want the commercial call to be yours to make the case for, earned through analysis rather than asserted, and you thrive where financial rigour meets commercial ownership, this is the role.

Skills and experience

- Reasons instinctively from data, and is disciplined about stating what incomplete data can and cannot support.
- Demonstrated ownership of a rate card, loading matrix, or Pricing Committee process.
- 4 to 6 years in a non-bank lender, bank, or mortgage aggregator, with direct exposure to pricing,



portfolio analytics, or treasury.
- Residential or commercial lending domain knowledge required. Warehouse funding cost mechanics strongly preferred.
- Strong on IRR, NIM waterfall, contribution margin, and funding cost mechanics. Computes from first principles.
- Excellent modelling discipline across models, tools, and analysis (this is critical). Runs post-change effectiveness analysis independently.
- Fluent in AI-assisted workflows. Owns a prompt library and reuses it.
- Clear, structured written output. Pricing Committee memos and internal comms in plain, direct prose.
- Able to step into the Pricing Committee chair function in the Head of Strategic Finance's absence.

What you'll do

Own the commercial pricing position:

- Own the pricing position and propose whole-of-book direction, brought to the Pricing Committee as an evidenced recommendation.
- Own competitive response. Monitor the panel, and when a competitor moves, bring the proposed answer rapid and execute once approved.
- Own new-product pricing and its commercial launch, from rate structure through to positioning and channel approach.
- Provide the discretion framework and deal analytics Sales operates with the network: where flex converts, what it costs in margin, and how penetration is trending.
- Bring recommendations to the Pricing Committee as decisions with a point of view, backed by data, not options papers handed to the room.

Own pricing execution:

- Maintain the Pricing Monitor, Rate Card Master, and all system rate reconciliations.
- Draft, circulate, and implement Pricing Committee memos end to end.
- Run unit economics checks (NIM, contribution margin, floor gap)



on every pricing change.
- Lead the Price Change Working Group from approval through post-implementation QA.

Build the portfolio pricing analytics workstreams:

- Business owner for portfolio performance reporting: own the metric definitions, interpretation, and the read to the Pricing Committee and Risk Council, with the build and pipeline supported by the Data and Analytics team.
- Portfolio yield decomposition: gross yield, NIM, and contribution margin by product, vintage, channel, and archetype.
- Pricing realisation analysis: effective rate vs rate card, discretion penetration by channel, mix shift versus pricing assumptions.
- Discharge economics and lifetime pricing analytics across the product suite.
- Monthly competitive intelligence across the full lender panel: rates, credit policy, product launches, broker commissions.
- Archetype-weighted competitive positioning.
- Pricing effectiveness scorecard: conversion by rate point, pull-through by broker cohort, volume response.
- Back-book yield monitoring and repricing candidates dashboard.
- Quarterly BDM deal-level intelligence synthesis and borrower persona refresh.

Drive cross-functional alignment:

- Partner with Marketing on broker-facing positioning, campaign timing, and rate change comms.
- Coordinate post-RBA comms windows across front-book and back-book.
- Partner with Credit, Product, and Treasury on funding cost inputs, policy alignment, and product design.

Culture and benefits

Alongside competitive remuneration, modern offices, and the chance to be part of an innovative, agile fintech:

- Extra leave: birthday leave plus an additional day of paid leave for life events, celebrations, or a mental health reset.
- Two weeks from anywhere: work remotely from a location of your choice for two weeks each year.
- Learning and development: all employees are encouraged and empowered to pursue professional development.
- Social events: a full calendar of events through the year to bring the team together.

📌 Pricing Manager (Sydney)
🏢 Foundry Talent Partners
📍 Sydney