Paul Murray

I am a results-oriented professional with eight years
of analytical experience in the financial sector,
holding senior positions in medium-large businesses.
With a broad range of technical skills and excellent
communication skills, I consistently influence decision
making and deliver tangible value added to business.
I’m looking for a new opportunity to (i) utilise the
skills I’ve acquired to-date, (ii) deliver demonstrable
value, and (iii) accelerate my personal development.

MAY 2021 – PRESENT
SENIOR CREDIT RISK & PRICING ANALYST, EVOLUTION MONEY
Responsible for shaping and implementing the business’ second-charge mortgage strategy.
• Lead responsibility for the Product & Pricing Committee and contributor to the Credit
Risk Committee and all related subcommittees the business
• Designed the business’ first prime product range, and developed the decision engine via
a 3rd party platform with integrated automated valuations
• Redesigned the I&E affordability assessment in response to the cost-of-living crisis,
including changes to expenditure assumptions and stress-testing
• Proof of concept approved for dynamic risk-based pricing using scorecard modelling, to
improve competitiveness whilst accurately provisioning for known risk factors
• Identified significant weaknesses in the business’ mortgage systems as part of a wider
assurance review, with a successful recommendation to invest in a new system provider
• Delivered the business’ first back book interest rate changes following successive
increases in the Bank of England base rate

APR 2017 – MAY 2020
PRICING & ANALYTICS MANAGER, THE CO-OPERATIVE BANK
Managing the Bank’s mortgage portfolio with £11Bn of assets and £250M monthly originations.
• Consistently achieved volume and margin targets by the regular re-pricing of the Bank’s
residential and buy-to-let product ranges
• Monitored new business and retention performance, market risk exposure and
competitor activity to determine the required pricing changes on a fortnightly basis
• Maintained financial models to generate margins, P&L, and hedging requirements
FEB 2015 – APR 2017
ASSISTANT MANAGER - PRICING & ANALYTICS, THE CO-OPERATIVE BANK
Supporting mid-senior management in mortgage pricing, forecasting and analytics.
• Automated the tracking of competitor price changes, to anticipate changes in new
business performance and improve pricing decisions
• Developed a propensity model for outbound retention strategies, identifying at-risk
customers for promotions, whilst protecting passive customers on higher margins
• Implemented the Financial Promotions requirements across all customer-facing
platforms, as part of the EU Mortgage Credit Directive

2010 – 2013
ACTUARIAL SCIENCE & MATHEMATICS BSC, THE UNIVERSITY OF MANCHESTER
FIRST CLASS WITH HONOURS (80%)
2008 – 2010 2003 – 2008
4 A-LEVELS A*-B 12 GCSES A*-B