Pricing and Profitability Consultant

Mandatory Skills Profitability, SAS/ Python, SQL, Risk
Location – PAN INDIA-Remote

Note : SAS is mandatory. One must have hands on exp with it.

Pricing and Profitability Consultant – Personal and Private Banking

Job Summary

Pricing and Profitability Consultant

Key Responsibilities

• Develop

  account-level profitability models

  by defining

  revenue and cost drivers

  tailored to product types and segments.
• Conduct deep dives into

  profitability by product, risk, price, and customer cohort

  , identifying high-ROE and low-retention segments.
• Define

  risk appetite thresholds

  , simulate

  risk-return trade-offs

  , and design

  concentration risk limits

  aligned with portfolio strategy.
• Create and monitor

  price-point strategies

  to unlock margin value and customer lifetime profitability.
• Translate customer behavior and CLTV insights into

  segment-specific lending strategies

  .
• Run

  lending strategy simulations

  under macro, portfolio, and customer behavior scenarios to guide tactical decisions.
• Work with product and finance stakeholders to shape

  Go/No-Go decisions

  and long-term

  capital planning

  .
• Support the build-out of

  performance dashboards

  and visualize pricing, profitability, and strategy metrics using

  Power BI

  or similar tools.

Required Skills & Experience

• 6+ years in

  retail banking

  ,

  risk analytics

  , and

  profitability modeling

  .
• Strong understanding of

  RoE

  ,

  customer lifetime value

  , and

  portfolio risk-return frameworks

  .
• Hands-on expertise in

  segmentation, pricing analytics, and capital allocation

  .
• Proficiency in SAS/Python, Excel and PowerPoint for insight generation.
• Experience working with

  cross-functional teams

  across product, risk, finance, marketing, and data engineering.
• Familiarity with

  lending simulation models

  ,

  stress testing

  , or

  capital demand forecasting

  .