Henna Patel Email & Phone Number

England, United Kingdom

London, London, Gb

• Defined and led business pricing strategy, optimising for market opportunities and managing daily operations to balance commercial business requirements.• Developed and executed a market-leading pricing approach as Product Owner within an Agile framework, by designing a risk-based approach to optimise pricing models to better meet the need of the business in a continually evolving market. Developed the critical path to successful delivery and led a cross-functional sprint team, translating complex actuarial methodologies for various audiences, delivering a full-scale change to continuous pricing points and ensuring a swift yet safe launch to market. • Introduced and led a Trading Forum, providing detailed analytics to support focus on business strategy and identify areas of potential growth, fostering collaboration. • Implemented an insight and data-driven pricing strategy by acquiring additional external data sources and introducing data models and intelligence to monitor and enhance business performance, covering both profitability/returns and operational metrics. • Introduced external market perspective, competitor and horizon scanning to identify business opportunities and threats, enabling prompt and informed responses.

London, London, Gb

• Managed daily price setting, created proposals, obtained approvals, and oversaw implementation across internal and third-party systems. • Introduced new products and propositions, enhancing customer value and choice while improving commerciality. Conducted post-launch monitoring to ensure performance aligned with Key Performance Indicators, making necessary adjustments for improvement.• Built a high-performing team from the ground up, enhancing their skills in analysis, communication and Product Lifecycle Management whilst supporting their personal development. • Represented the team in communicating pricing strategy to stakeholders up to Board level, adapting messaging to suit the audience and utilising visualisation tools to support key insights.

London, London, Gb

• Introduced a new monitoring dashboard to deliver regular business insights, enhancing business maturity and embedding robust practices for insight-informed decision-making.• Conducted market research on competitor pricing, features and criteria to identify opportunities.• Automated manual processes within the team to enhance efficiency and speed to market whilst reducing risk of error, utilising Microsoft Excel VBA code.

West Bromwich, England, Gb

• Established product price points within volume, risk measures, and profitability targets.• Identified market opportunities and developed new product propositions (e.g. joint borrower sole proprietor, shared equity, self-build, Buy-to-Let Limited Company mortgages). Played a key role in corporate planning, establishing and tracking volume and return targets, aligning with call centre and branch staffing levels.

West Bromwich, England, Gb

• Developed hedging strategies to mitigate IRR, calculated hedging requirements, and managed costs through on-balance sheet offsets.• Managed cash flow impacts of product strategies, including pricing changes, regulatory requirements, and funding options.• Assisted in long-term balance sheet modelling, accounting for product redemptions, new business, and hedging.• Produced weekly and monthly reports under tight deadlines, demonstrating strong time management and ability to perform under pressure.

West Bromwich, England, Gb

Placement year role• Managed regular reports for the Mortgage Team, covering management information, data quality, and scorecards. Developed strong analytical skills in mortgage products, trend identification, and forward projections.• Verified automated report data to ensure accuracy.• Led the preparation of replacement students for the position.