Senior Deposit Pricing & Product Analyst

First United Bank•Plano, TX

About The Position

The Senior Deposit Pricing & Product Analyst is an experienced individual contributor within the Product Management organization and serves as the enterprise owner for deposit pricing strategy, pricing governance, and product performance analytics. The role connects market conditions, balance sheet needs, customer behavior, and product performance to make recommendations that support disciplined growth, sound pricing decisions, and strong customer relationships. The analyst partners across business, finance, treasury, analytics, risk, and operations to ensure pricing actions and product insights are strategically aligned, financially grounded, and executable. The position also leads horizontal product analytics to deepen customer relationships, support product bundling and banking primacy, develop customer lifetime value measurement, and inform customer experience design. First United is a financial services provider offering retail, commercial, trust, brokerage, mortgage, and insurance products through community bank locations in Oklahoma and Texas. Its stated purpose is to inspire and empower others to Spend Life Wisely, and it aims to elevate 10 million lives by 2030.

Requirements

Bachelor of Arts or Bachelor of Science 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 clearly articulating 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, including the ability to communicate 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

An 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 that communicate options, financial impact, tradeoffs, risks, and recommended actions.
Serve as a strategic thought partner to 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 to support 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 that may influence 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 deposit pricing expertise, analytical insight, and strategic recommendations.
Adhere to First United policies and procedures and complete required annual compliance exams.
Perform other duties as assigned.