Job Description

Fixed Term Contract Duration - 11 Months
About the Business
Quilter Cheviot has been the wealth manager of choice for individuals and families for over 250 years, and today is one of the UK's largest wealth management firms offering expert discretionary investment management and financial advice. We offer a highly personalised service to private clients, charities, trustees, and professional partners. Quilter Cheviot has presence throughout the UK, Ireland and Channel Islands.

We are part of Quilter plc, a leading provider of advice, investment platforms, multi-asset investment solutions and discretionary fund management which is listed on the London and Johannesburg stock exchanges and manages over 119.4 billion of client investments (as at December 2024).



If you want to play a part in shaping the future of our business, bringing new ideas and challenge then now is a great time to join us.
About the Role
Level: 4
Location: London
Department: Proposition
Contract: Fixed term contract 12 months
The Pricing Analyst will support Quilter Cheviot's proposition by shaping the pricing framework and design for Quilter Cheviot's investment and financial planning products, both individually and on an integrated basis, and across various servicing models (intermediated clients with an IFA, integrated clients with a Quilter Cheviot Financial Planner, direct clients to Quilter Cheviot). The pricing framework needs to align to Quilter Cheviot's pricing strategy, and drive sustainable profitability, competitive positioning, and client retention. This role requires a blend of financial acumen, analytical skill, and business insight to ensure market competitive pricing that aligns with client value, profitability goals and regulatory standards.
To successfully evolve our comprehensive investments and financial planning proposition, the role requires a pricing analyst with experience in the design, implementation and ongoing maintenance of fee tariffs linked to both investment and financial planning products. The role requires an ability to develop and implement pricing strategies balancing short-term revenue goals with long-term profitability. The role holder must be skilled in financial modelling and scenario analysis to assess impacts on margins and market share. The role holder must have a proven, strong capability to influence senior stakeholders and communicate complex pricing recommendations clearly.
Key responsibilities:Build and maintain a comprehensive understanding of Quilter Cheviot's investment management and financial planning products from a pricing and value perspective. Benchmark fee structures, discounting practices, and value propositions across competitors, and identify differentiation opportunities. Conduct competitor benchmarking and identify pricing gaps. Stress test various pricing scenarios based on tiered, bundling / packaged, hybrid, AUM-based, subscription and performance-linked pricing models. Produce analysis to predict churn risk, conversion potential, and acquisition sensitivity. Develop models and conduct scenario analyses to assess pricing options, demonstrating impact on profitability, client retention, and growth. Collaborate with finance, sales, and proposition teams to refine pricing strategies and align pricing with business goals. Harness your understanding of the competitor landscape to provide pricing and fee tariff recommendations based on competitor benchmarking, market trends, and internal performance data, in order to ensure the ongoing viability and competitiveness of our pricing strategy and fee tariffs. Support fee tariff optimisation and client segmentation strategies. Deliver an integrated pricing structure, including tiers, thresholds and add-ons, that will attract new business, maximize margins, align pricing with perceived value, and reinforce brand positioning, whilst ensuring transparency, fairness and adherence to Consumer Duty principles. Ensure pricing practices comply with industry regulations and internal policies. Create rollout plans (including approaches for legacy clients), resource allocation, and monitoring mechanisms for the launch and embedding of proposed changes to existing product / service pricing offered by Quilter Cheviot, including an integrated pricing framework. Design pricing / fee tariffs linked to material amendments to existing products and proposition, and the development of new products and proposition. Assist in the design and analysis of customised pricing proposals, when necessary. Monitor and report key pricing metrics and KPIs to senior leadership and governance forums. Input into the production of assessment of value analyses across products and proposition. Use tools such as Excel, SQL, Tableau, or Power BI for data analysis and reporting.

Consumer Duty
This role will directly impact good customer outcomes by ensuring the continued delivery of fair value products, services and proposition to clients, colleagues and advisers. This role will facilitate the delivery of optimally priced product and propositions that are in alignment with target market client needs.
About YouActuarial experience with an advanced understanding of pricing methodologies, elasticity modelling, and revenue optimization. This is not essential but would be highly desirable. Experience with delivering large scale analysis of existing pricing and updates to fee tariffs / schedule of charges within a wealth management, banking or financial services organisation. Experience with modelling integrated pricing strategies (e.g. cross product pricing, relationship level pricing). Proficiency in financial modelling and scenario analysis. Strong quantitative and analytical skills with attention to detail. Experience with data analysis tools (e.g., Excel, SQL, BI tools). Ability to interpret complex data into actionable insights. Strong background in market research, competitor analysis, and client segmentation. Understanding of pricing strategies on investment products, financial planning products, UK and International adviser platforms. Experience with pricing of Model Portfolio Solutions (MPS) and bespoke Discretionary investment products would be beneficial. Knowledge of regulatory frameworks affecting fee disclosures and pricing (e.g. Consumer Duty). Experience with delivering fair value assessments on products and services. Strategic thinking with a commercial mindset. Strong communication and stakeholder management abilities, with an ability to collaborate across cross-functional teams and influence senior decision-makers. Ideal candidate will have finance / investment management qualifications, but this is not essential if technical capability can be proven.

#LI-VS1 #QC #QuilterCheviot
Inclusion & Diversity
We value diversity and strive to promote inclusivity in all aspects of our culture. We believe in equal opportunities for all, ensuring that no applicant encounters less favourable treatment based on anything but their skills, qualifications, experience, and potential. We celebrate the unique contributions of a diverse workforce and create a respectful, nurturing environment where every colleague can thrive.
Values
Do the right thing: We act with integrity and are proudly committed to going above and beyond in service of our clients and the support we provide our communities.

Always curious: We continuously seek new ideas and knowledge so we're one step ahead of our clients' needs. We look for inspiration everywhere and encourage experimentation, recognising that this is how we create brilliant solutions for brighter futures.

Embrace challenge: We aim high to transform our potential into meaningful outcomes. With ambition as our driving force and a steadfast commitment to growth, we succeed for the good of every generation.

Stronger together: Combining our diverse talents, we accomplish more collectively than we ever could do alone. We speak openly, actively listen, and support each other, and constructively challenge and embrace new ideas. We seek empowerment and demonstrate ownership and trust, with the confidence to make impactful decisions.
Core Benefits
Holiday: 182 hours (26 days)
Quilter Incentive Scheme: All employees are eligible to participate in incentive scheme, to incentivise business performance and their contribution.
Pension Scheme: A non-contributory company pension scheme that can be boosted through personal contributions.
Healthcare Cash Plan: Jersey employees only.
Benefit Allowance: A cash benefit allowance is payable in lieu of some of our core benefits.
In addition to our core benefits, we offer a range of flexible benefits to UK employees that you can choose from and pay for conveniently via a salary deduction.