Role overview
As a Pricing Analyst Lead, you will drive pricing analysis and optimisation across Kuda’s retail, business banking, and credit products. You’ll build pricing models, generate insights, and support data-driven decisions that improve revenue, competitiveness, and customer value.
Working closely with Product, Finance, Risk, and Commercial teams, you’ll help shape pricing strategies, run experiments, and contribute to building a strong, scalable pricing capability at Kuda.
Pricing Strategy & Architecture
- Own end-to-end pricing strategy across retail banking, business banking and credit products
- Design and implement a coherent pricing architecture that balances revenue growth, competitive positioning and customer fairness
- Develop pricing frameworks for new product launches and market entries, working closely with Product and Commercial teams
- Build Kuda’s pricing governance framework — defining decision rights, approval processes and escalation paths
Analytics & Commercial Modelling
- Build the analytical infrastructure for pricing: elasticity models, competitive benchmarking, margin analysis and scenario modelling
- Conduct rigorous analysis of fee structures, interchange economics, interest rate margins, FX spreads and credit pricing across all products
- Design and run pricing experiments (A/B tests, conjoint analysis, willingness-to-pay studies) to move us from gut-feel to evidence-based pricing decisions
- Develop dashboards and reporting to give leadership real-time visibility into pricing performance and revenue drivers
Product-Specific Pricing
- Retail Banking: Optimise pricing for account tiers, transfer fees, card fees, savings rates and FX margins — balancing growth with unit economics
- Business Banking: Design pricing models for merchant services, payroll, collections, and business accounts that reflect value delivered to SMEs
- Credit: Work with the Credit team to refine risk-based pricing, ensuring loan pricing adequately reflects cost of funds, expected losses and target returns while remaining competitive
Cross-Functional Leadership
- Partner with Product, Finance, Risk, Compliance and Commercial teams to embed pricing into product development and go-to-market processes
- Educate the organisation on pricing principles — build internal capability so pricing thinking is distributed, not siloed
- Represent pricing in leadership discussions, board reporting and investor conversations
- Monitor regulatory developments affecting pricing (e.g. CBN fee guidelines, consumer protection regulations) and ensure compliance
Requirements
- 9+ years of experience in pricing, commercial strategy or revenue management, with significant time spent in financial services (banking, fintech, payments or lending)
- Deep expertise in at least two of: retail banking pricing, business/merchant pricing, or credit/lending pricing
- Strong quantitative skills — comfortable building pricing models, running statistical analyses and interpreting complex data
- Experience designing and executing pricing experiments and willingness-to-pay research
- Track record of building pricing functions or capabilities in organisations where pricing was previously underdeveloped
- Excellent communication skills — able to translate complex pricing analysis into clear recommendations for senior stakeholders
- Commercial mindset with genuine empathy for customers — understands that good pricing creates value for both sides
Advantageous:
- Experience in African or emerging market financial services
- Background in management consulting with a focus on pricing or commercial strategy
- Familiarity with regulatory pricing environments (CBN, FCA or equivalent)
- Experience with pricing software tools (PROS, Vendavo, Pricefx or custom-built systems)
- SQL proficiency and comfort working with data engineering teams
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