Senior Deposit Pricing & Product Analyst

First United Bank•Plano, TX

About The Position

The Senior Deposit Pricing & Product Analyst sits within First United’s Product Management organization and serves as the enterprise owner for deposit pricing strategy, pricing governance, and product performance analytics. This experienced individual contributor connects market conditions, balance sheet needs, customer behavior, and product performance to develop clear recommendations supporting disciplined growth, sound pricing decisions, and strong customer relationships. The role works cross-functionally with business, finance, treasury, analytics, risk, and operational partners to ensure pricing actions and product insights are strategically aligned, financially grounded, and executable across the organization. First United provides retail, commercial, trust, brokerage, mortgage, and insurance products and services through community bank locations throughout Oklahoma and Texas. The company describes its purpose as inspiring and empowering others to “Spend Life Wisely,” and states a goal of elevating 10 million lives by 2030.

Requirements

Bachelor’s degree in Finance, Economics, Accounting, Statistics, Business Analytics, MIS, Data Analytics, or a related field.
At least 5 years of experience in banking, financial services, deposit pricing, treasury, finance, product management, product analytics, balance sheet management, or related analytical roles.
Demonstrated experience translating complex data into actionable recommendations for senior leaders, including explaining assumptions, risks, tradeoffs, and expected business impact.
Knowledge of financial institution products, policies, regulatory expectations, risk considerations, and operational practices related to deposit products and pricing decisions.
Deep understanding of deposit products, pricing levers, balance behavior, customer segmentation, rate sensitivity, competitive positioning, cost of funds, margin dynamics, and liquidity considerations.
Strong analytical judgment and ability to synthesize internal data, market intelligence, financial assumptions, and stakeholder input into practical recommendations.
Advanced proficiency with Excel and PowerPoint.
Ability to define reporting requirements, improve data quality, establish recurring routines, and build confidence in source-of-record analytics and executive reporting.
Exceptional written, verbal, and presentation skills for communicating with executives, managers, bankers, analysts, and subject matter experts.
Ability to influence without direct authority, build trusted partnerships, and lead cross-functional work through ambiguity.
Sound business judgment, intellectual curiosity, attention to detail, and a disciplined approach to documentation, controls, timelines, and follow-through.
Strong initiative and ownership mindset, with the ability to operate as a senior individual contributor, identify emerging needs, and proactively develop solutions.

Nice To Haves

Advanced degree or relevant professional certification.
Direct or closely related experience with deposit pricing, product profitability, funding strategy, ALM-adjacent analysis, pricing governance, or financial performance analytics.
Experience with Power BI, Power Query, SQL, data visualization tools, or similar analytics platforms.

Responsibilities

Own the deposit pricing function, including pricing frameworks, rate guidelines, competitive positioning, exception practices, and governance routines.
Develop pricing recommendations that balance growth, retention, cost of funds, liquidity needs, margin objectives, customer behavior, and market conditions.
Lead recurring pricing reviews and prepare executive-ready recommendations explaining options, financial impact, tradeoffs, risks, and recommended actions.
Advise business, finance, treasury, product, analytics, risk, and operational leaders on deposit growth, funding mix, product performance, and profitability.
Lead horizontal product analytics to identify insights that deepen customer relationships, support product bundling, strengthen banking primacy, develop customer lifetime value measurement, and guide experience design.
Define analytical frameworks, reporting requirements, and success measures for strategic and tactical decisions.
Partner with data and business teams to improve source-of-record reporting, data definitions, recurring routines, and confidence in product and pricing insights.
Monitor market, regulatory, balance sheet, customer, and competitive trends for risks and opportunities affecting pricing or product strategy.
Establish feedback loops to measure pricing execution, customer response, business outcomes, and portfolio performance over time.
Identify opportunities to improve pricing processes, approval workflows, exception monitoring, documentation, controls, and communication routines.
Communicate complex pricing and analytics concepts clearly and persuasively to diverse audiences across the organization.
Lead or contribute to strategic initiatives, product reviews, pricing launches, and portfolio optimization efforts as assigned.
Lead and participate in cross-functional meetings, executive forums, product reviews, and pricing routines, providing expertise, analytical insight, and strategic recommendations.
Adhere to First United policies and procedures.
Complete required compliance exams annually.
Perform other duties as assigned.