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Senior Commercial Manager - Value Management

As Senior Commercial Manager, you will sit within the Product and Commercial Management team of Argos Financial Services where your main objective is to define and monitor all aspects of the “customer value chain” from acquisition through to customer management for all AFS products. With a key focus on understanding each component of the chain, you will ensure a deep understanding of portfolio performance and overall profitability.

You will be joining Argos Financial Services where our aim is to make life better every day for Argos customers. We help customers afford and protect what matters most, offering products and services including Credit, Warranties & Insurance. We are part of Sainsbury’s Bank, part of the wider Sainsbury’s Group, we’re an exciting and growing organisation and as our customers seek more innovative services and technology, being part of one of the UK’s most trusted brands brings our colleagues exciting opportunities to fulfil their potential. Here, you can be part of something bigger and help to create a new approach that puts the customer at the heart of everything we do.

As Senior Commercial Manager, you will:

Work cross-functionally across AFS and Sainsbury’s Bank, supporting each functional area of the business to understand their contribution to the overall “customer value chain” and therefore overall profitability. You will support and challenge to identify opportunities to drive improvements in “customer value”. You will also work with these functional areas to drive commercial product initiatives through to completion, ensuring these are implemented effectively, and realise benefit.
Have responsibility for driving key commercial initiatives across the business to improve the overall profitability of the AFS product set.
Manage the development, implementation, and maintenance of “customer value reporting” across the AFS product portfolio to drive a deep understanding of portfolio performance across the “value chain”, determining the key drivers of each product’s profitability.
Monitor, evaluate and assess all aspects of profitability across each product, communicating results, conclusions and recommendations to the wider Commercial team.
Act as a business expert on the profitability of the AFS portfolio, feeding into business cases.
Ensure key strategic changes to the portfolio are monitored effectively and their impacts to overall profitability understood and reported.

As Senior Commercial Manager, you will have;

Extensive experience in an analytics role within the financial services industry, preferably within a retail credit or credit card organisation.
P&L management and financial analysis experience including an understanding of NPV modelling.
Experience of involvement in major IT projects and management of small and medium size development projects.
Thorough knowledge of data manipulation techniques with experience of SQL.
High levels of statistical competence with understanding and experience of Multiple Regression, Decision Tree analysis, and use of statistical packages such as SAS or SPSS.
A highly commercial approach with outstanding analytical and problem-solving skills.
The ability to think broadly, find links and relationships across complex business problems and produce innovative and pragmatic solutions to manage and deliver change.
A customer-focused outlook to ensure we create the right outcomes.
The ability to challenge, persuade, and influence senior business stakeholders.
Excellent planning and organisational skills, with an ability to balance a large range of priorities.
Experience working within a high-pressure role, demonstrating resilience and tenacity.
A creative style, seeing how different options could bring business benefits.
The ability to take good suggestions and turns them into better, more realistic solutions.

As well as the opportunity to join a great team you will also receive a competitive salary, 24 days’ holiday, and a range of other great benefits. We will support you in developing your skills to build the career you want.

As this role involves working in a regulated environment any offer made will be subject to satisfactory background checks including criminal record check, credit check and employment references.


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