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Commercial Analyst

In a nutshell

Working within the Argos Financial Services (AFS) Value & Pricing team to monitor all aspects of the AFS portfolio from Acquisition through to Customer management across both the Argos Card & Warranties product.

Responsible for the monitoring, evaluating and communicating of reporting across each product to provide the business key insights on the performance of the portfolio and overall profitability of each product.

Leveraging insight to work with other functional areas to identify cost reduction/income opportunities through optimisation initiatives to improve overall performance and profitability.

What you’ll be doing

Facilitate the development, production, evaluation and monitoring of all components of the AFS portfolio
Ensure the accuracy of reports through appropriate checking and validation
Provide the business key insight into the trends on the portfolio communicating results to the wider commercial team
Continually identify areas for business improvement and working with product owners and other areas of the business (such as the trading teams) to identify cost reduction/income opportunities to drive improvements in portfolio performance.
Initiate the development and maintenance of reporting using appropriate tools.
Assists in the upkeep of documentation in own specific area
Facilitates effective communication within/between own team and other functions.
Acts as a coach/mentor to team members.

What you need to know and show

Previous Commercial experience (preferably within a retail or credit card organisation)
Financial services experience within an FCA or regulated environment preferably within a Storecard or Credit Card Environment
Proven experience SQL
High level of competence in PC packages, must be proficient in Excel
Graduate degree in a numerate discipline (ideally mathematics or statistics)
Previous experience of managing Profitability & Pricing models within a Credit Card or Storecard business is desirable
Good commercial awareness
Good communication skills
Excellent planning and organisational skills, with an ability to balance a large range of priorities
Ability to work on own initiative.

Our benefits

In addition to the all- important competitive salary, pension & bonus offering, we totally get that life outside work is important to us all. So we want to shout out some of our other great benefits…

We offer flexible working to help you achieve a good work/life balance
Opportunity to buy extra holidays is on the table
Discounts on your weekly shop, buying a laptop or sofa? We’ve got it covered through your Sainsburys, Argos and Habitat store discount card

A little about us & our culture

As digital technology drives the financial services landscape we want to be at the cutting edge of this technology, offering award winning innovative digital products to our customers.

Technology is where we see our growth therefore we need innovators to join us and drive the next phase of our evolution.

We’re a friendly bunch who collectively share a passion to make our customers’ financial lives easier. As part of the wider Sainsbury’s Argos Group, being one of the UK’s most trusted brands, it brings our colleagues a wealth of 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.

We know that candidates may be put off applying for a job unless they can tick every box. While we can’t always accommodate every flexible working request, we do support part-time and job share roles so are happy to be asked how we can work around your availability. So if you are excited about working with us and think you can do much of what we are looking for but aren’t sure if you are 100% there yet… why not apply and see how it goes?

Here we’re a proud equal opportunities employer that values diversity at every level of our business. Inclusion and Diversity are fundamental to our culture and values, fostering an innovative, collaborative and fast paced work environment that means we can build a better future for our colleagues and our customers. Everyone is welcome. Want to find out more? Then visit our Diversity & Inclusion page on our Careers site –

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

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