Pricing & Margin Management Analyst

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Posted Nov 2, 2026

Remote · US Full Time

$97K – $125K/yr

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Overview

The organization is seeking a Pricing & Margin Management Analyst to optimize pricing, profitability, and growth across its DSCR and non-QM lending business. This highly analytical role connects pricing, capital markets, sales, and finance.

Responsibilities

Analyze market conditions and loan-level data to evaluate pricing performance and competitive intelligence.
Determine where products are appropriately priced and where opportunities exist to improve volume and margin.
Provide data-driven pricing recommendations, identify margin leakage, build reporting and financial models, and present insights to senior leadership.

Pricing & Market Analysis

Monitor market factors influencing pricing, including Treasury and swap rates, SOFR, whole-loan buyer bids, securitization spreads, cost of funds, and warehouse carry.
Analyze rate sheet pricing across LTV, DSCR, FICO, loan size, property type, cash-out, interest-only, prepayment penalty structure, and state.
Recommend base rate and price-adjuster changes and quantify expected margin impact.
Identify pricing opportunities where products may be priced above or below market.

Margin Management

Maintain and analyze the company’s margin waterfall from rate sheet pricing through realized execution.
Compare target and realized margins across products, channels, brokers, and account executives.
Identify sources of margin leakage and recommend pricing, policy, or process improvements.
Model potential margin and volume impact of proposed pricing strategies.

Pricing Analytics & Reporting

Build and maintain pricing and margin dashboards for leadership using Power BI, Tableau, or Excel.
Analyze lock volume, pull-through, and fallout by product, pricing tier, and channel.
Conduct structured pricing analyses and tests to evaluate volume and margin response.
Analyze and report broker and channel economics, including points, compensation, and volume mix.

Broker Pricing & Competitive Intelligence

Partner with Sales and executive leadership to create and maintain broker pricing tiers based on measurable performance.
Analyze broker performance using metrics such as pull-through, volume, cycle times, file quality, and loan performance.
Monitor competitor DSCR and non-QM pricing and product offerings.
Benchmark competitive position using win/loss data and broker feedback to explain volume changes.

Pricing Governance

Produce monthly reporting on concessions, exceptions, pricing trends, and margin impact.
Document pricing methodology and the rationale behind rate sheet changes.
Support fair lending monitoring of discretionary pricing.
Partner with the pricing engine administrator to specify and validate rate sheet changes before release.

FP&A Support

Build and maintain financial models supporting budgets, forecasts, and scenario planning that connect pricing and volume assumptions to company financial performance.
Support monthly close, budgeting, and forecasting through variance analysis.
Analyze loan-level and financial data for ad hoc requests from Finance and executive leadership.
Contribute to management reporting, board materials, and investor and warehouse lender reporting.
Take on other FP&A projects and analysis as assigned based on business needs.

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Requirements

3–5 years of experience in mortgage pricing, secondary marketing, capital markets analytics, FP&A, or a similar quantitative role at a lender or investor.
Working knowledge of non-QM and DSCR lending, including pricing adjustments, prepayment penalties, and how loan execution influences rate sheet pricing.
Strong understanding of gain-on-sale, basis points, spreads, cost of funds, and margin waterfall.
Advanced Excel skills, including the ability to build financial and analytical models.
Experience using SQL or an equivalent tool to independently pull, shape, and analyze loan-level data.
Strong analytical and problem-solving skills, with the ability to translate complex analysis into actionable recommendations.
Excellent communication skills, including the ability to present pricing recommendations and analytical findings to executive and sales leadership.