Pricing Analyst Lead - Cape Town

Kuda is a full service digital only bank with a banking license. Kuda is designed for your smartphone, free of ridiculous charges and great at helping you budget, spend smartly and save more.

Pricing Strategy & Architecture

• Own end-to-end pricing strategy across retail banking, business banking and credit products
• Design and implement a coherent pricing architecture that balances revenue growth, competitive positioning and customer fairness
• Develop pricing frameworks for new product launches and market entries, working closely with Product and Commercial teams
• Build Kuda's pricing governance framework — defining decision rights, approval processes and escalation paths

Analytics & Commercial Modelling

• Build the analytical infrastructure for pricing: elasticity models, competitive benchmarking, margin analysis and scenario modelling
• Conduct rigorous analysis of fee structures, interchange economics, interest rate margins, FX spreads and credit pricing across all products
• Design and run pricing experiments (A/B tests, conjoint analysis, willingness-to-pay studies) to move us from gut-feel to evidence-based pricing decisions
• Develop dashboards and reporting to give leadership real-time visibility into pricing performance and revenue drivers

Product-Specific Pricing

• Retail Banking: Optimise pricing for account tiers, transfer fees, card fees, savings rates and FX margins — balancing growth with unit economics
• Business Banking: Design pricing models for merchant services, payroll, collections, and business accounts that reflect value delivered to SMEs
• Credit: Work with the Credit team to refine risk-based pricing, ensuring loan pricing adequately reflects cost of funds, expected losses and target returns while remaining competitive

Cross-Functional Leadership

• Partner with Product, Finance, Risk, Compliance and Commercial teams to embed pricing into product development and go-to-market processes
• Educate the organisation on pricing principles — build internal capability so pricing thinking is distributed, not siloed
• Represent pricing in leadership discussions, board reporting and investor conversations
• Monitor regulatory developments affecting pricing (e.g. CBN fee guidelines, consumer protection regulations) and ensure compliance

Requirements

• 9+ years of experience in pricing, commercial strategy or revenue management, with significant time spent in financial services (banking, fintech, payments or lending)
• Deep expertise in at least two of: retail banking pricing, business/merchant pricing, or credit/lending pricing
• Strong quantitative skills — comfortable building pricing models, running statistical analyses and interpreting complex data
• Experience designing and executing pricing experiments and willingness-to-pay research
• Track record of building pricing functions or capabilities in organisations where pricing was previously underdeveloped
• Excellent communication skills — able to translate complex pricing analysis into clear recommendations for senior stakeholders
• Commercial mindset with genuine empathy for customers — understands that good pricing creates value for both sides

Advantageous:

• Experience in African or emerging market financial services
• Background in management consulting with a focus on pricing or commercial strategy
• Familiarity with regulatory pricing environments (CBN, FCA or equivalent)
• Experience with pricing software tools (PROS, Vendavo, Pricefx or custom-built systems)
• SQL proficiency and comfort working with data engineering teams