PenFed Credit Union

Job Overview

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). The incumbent will be responsible for leading pricing and product analytics, developing data-driven recommendations, and providing executive-ready insights that influence business strategy. The role requires deep expertise in consumer lending economics, pricing optimization tools, and analytical storytelling to support sustainable growth, risk-adjusted returns, and competitive positioning. The ideal candidate has proven experience partnering with Product, Risk, Decision Science, and Finance teams, while leading a small team of analysts in delivering high-quality insights and reporting.

Responsibilities

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This is not intended to be an all-inclusive list of job duties and the position will perform other duties as assigned.

• Pricing Strategy Leadership: 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.
• Risk & Policy Alignment: 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.
• Business Health Monitoring: Oversee analysis of the full consumer lending lifecycle, from application funnel through booked loan performance, identifying opportunities to optimize conversion, yield, and member outcomes.
• Data Stewardship & Reporting: 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.
• Product Support: Deliver analytical insights that help product teams across Auto, Personal, and Student Loan products assess business trends, evaluate product performance, and inform roadmap decisions.
• Team Leadership: Manage and mentor a small team of 2–3 analysts, providing coaching on methodology, data visualization, and executive storytelling.
• Executive Insights: Produce executive-ready analyses and recommendations on pricing, product performance, and market trends across secured and unsecured lending to influence senior leadership decisions.
• Cross-Functional Partnership: 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.
• Minimum of one (1) year of experience in a Director Level role 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.

Supervisory Responsibility

This position will supervise employees.

Licenses and Certifications

There are no additional licenses and/or certifications required.

Work Environment

While performing the duties of this job, the employee is regularly exposed to an indoor office setting with moderate noise.

• Most roles require working in an office setting with moderate noise and the ability to lift 25 pounds.*

Travel

Ability to travel to various worksites and be on-call is required.

#LI-Hybrid

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.

Our Purpose

Helping members achieve their dreams since 1935.

Pentagon Federal Credit Union (PenFed) is one of America's largest federal credit unions, serving 2.8 million members worldwide with $29 billion in assets. PenFed offers market-leading certificates, checking and savings, credit cards, personal loans, mortgages, auto loans, and a wide range of other financial services, always with members' interests in mind. PenFed is federally insured by the NCUA and is an Equal Housing Lender.

Berkshire Hathaway HomeServices PenFed Realty, LLC is a full-service real estate company ready to assist our clients with buying, selling and renting a home. The company is a wholly owned subsidiary of PenFed Credit Union and is the largest independently-owned brokerage in the Berkshire Hathaway HomeServices network, placing us in the top 1% of all real estate brokerages in the country.

With almost 60 offices and nearly 2,000 world-class sales professionals, we offer complete service coverage in Virginia, Maryland, the District of Columbia, Delaware, Pennsylvania, West Virginia, Florida, Tennessee, Kansas and Texas. In addition, we also offer specialized client services which include management of vacation properties and long-term rentals, corporate relocation services and national referral network.

Equal Employment Opportunity

PenFed management will maintain and observe personnel policies which will not discriminate or permit harassment or retaliation against a person because of race, color, creed, age, sex, gender, gender identity, gender expression, religion, national origin, ancestry, marital status, military or veteran status or obligation, the presence of a physical and/or mental disability or medical condition, genetic information, sexual orientation, and all statuses protected by applicable state or local law in all recruiting, hiring, training, compensation, overtime, position classifications, work assignments, facilities, promotions, transfers, employee treatment, and in all other terms and conditions of employment. PenFed will also prohibit retaliation against individuals for raising a complaint of discrimination or harassment or participating in an investigation of same.

PenFed will also reasonably accommodate qualified individuals with a disability so that they can apply for a job or perform the essential functions of a job unless doing so causes a direct threat to these individuals or others in the workplace and the threat cannot be eliminated by reasonable accommodation or if the accommodation creates an undue hardship to PenFed. Contact human resources (HR) with any questions or requests for accommodation at 402-639-8568.