Sr Director Pricing & Product Analytics

About the role

PenFed is hiring a (Hybrid) Sr Director Pricing & Product Analytics at our Tysons, Virginia; Dallas, Texas or San Antonio, Texas location. PenFed is seeking a Senior Director of Pricing & Product Analytics to drive pricing strategy, product performance insights, and portfolio optimization across the Auto Lending and Unsecured Lending businesses (including Personal Loans, Student Loans, and Overdraft Lines of Credit).

Responsibilities

• Drive auto and unsecured lending pricing strategy, including development of pricing frameworks, monitoring of competitive dynamics, and use of pricing optimization tools such as Nomis Pricing Optimization Engine.
• Partner with Decision Science and Risk teams to monitor credit performance, loan pricing effectiveness, and portfolio health across both secured and unsecured lending portfolios; provide analytical feedback to influence enhancements to risk models and lending policies.
• Oversee analysis of the full consumer lending lifecycle, from application funnel through booked loan performance, identifying opportunities to optimize conversion, yield, and member outcomes.
• Develop reporting and dashboard solutions that provide timely, accurate, and actionable insights; collaborate with the Consumer Lending BI team to ensure data integrity, governance, and stewardship.
• Deliver analytical insights that help product teams across Auto, Personal, and Student Loan products assess business trends, evaluate product performance, and inform roadmap decisions.
• Manage and mentor a small team of 2-3 analysts, providing coaching on methodology, data visualization, and executive storytelling.
• Produce executive-ready analyses and recommendations on pricing, product performance, and market trends across secured and unsecured lending to influence senior leadership decisions.
• Act as a trusted business partner to Product, Finance, Risk, and Marketing leadership, fostering a data-driven culture and ensuring alignment of pricing and product analytics with broader strategic goals.

Qualifications

• Equivalent combination of education and experience is considered.
• Bachelor's Degree required in Economics, Business Analytics, Finance, Statistics, Mathematics, or related field; Master's Degree or MBA preferred.
• Minimum of twelve (12) years of progressively responsible experience in financial services with a focus on pricing, product analytics, or related fields.
• Minimum of five (5) years of direct management experience required.
• Advanced knowledge of industry standards and practices in business intelligence/analytics.
• Demonstrated expertise in consumer lending economics (including auto and unsecured loan pricing strategy).
• Hands-on experience with pricing optimization platforms (e.g., Nomis, FICO Loan Pricing Optimizer) strongly preferred.
• Proven ability to translate complex analytical findings into actionable business recommendations.
• Strong understanding of programming languages (e.g., Python, SQL, or R).
• Experience developing reports and dashboards using BI tools such as Tableau or Power BI.
• Familiarity with cloud-based data platforms (Snowflake, Salesforce Data Cloud) preferred.
• Track record of managing and mentoring small teams of analysts.
• Strong communication skills, with ability to present technical and financial insights to senior executives in clear, actionable terms.
• Proven track record of advancing thought leadership and enabling an analytical strategic vision for Product insights.
• Experience partnering with large, cross-functional teams and leadership.
• Strong written and verbal communication skills.
• High degree of proficiency in synthesizing and communicating data from a variety of disciplines.
• Experience using A.I. tools preferred.

Supervisory Responsibility

This position will supervise employees.

Pay

The anticipated starting salary range for this role is $121,800.00 - $199,698.00 This position is eligible for an organizational performance based annual bonus, subject to board discretion and approval. This position is eligible for an individual performance based annual bonus.

Benefits

At PenFed, we offer a robust benefits package designed to support you both personally and professionally. You'll have access to comprehensive health, dental, and vision plans; paid time off; and family-friendly benefits like paid parental leave, care support, and fitness center access. Financial wellness is encouraged through features like a 401(k) match, employee loan discounts, and fully paid life and disability coverage. We also support growth via education assistance, community involvement, and volunteer opportunities.

Contact

Contact human resources (HR) with any questions or requests for accommodation at Careers@PenFed.org .