Marcura

Senior Pricing & Cost Analyst

Marcura

full-time

Posted on:

Location Type: Hybrid

Location: London • United Kingdom

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Job Level

Senior

Tech Stack

Ruby on Rails

About the role

  • - Analyse partner cost structures, service levels, and transaction performance to ensure best-value routing across corridors.
  • - Benchmark contracted vs actual costs and perform sample audits to validate accuracy of partner billing.
  • - Perform periodic checks on partner invoices to verify fees, spreads, and FX rates charged versus contractual terms.
  • - Provide monthly reporting on partner cost performance and route efficiency.
  • - Optimise internal and external payment network structures to support scale-up to ~100,000 payment transactions and $17bn annual flow.
  • - Evaluate alternative partner routes and corridor coverage based on cost, reliability, and FX efficiency.
  • - Provide analytics to support renegotiation and onboarding of partners to deliver measurable network savings.
  • - Analyse liquidity usage across currencies, partners, and rails to identify trapped or underutilised balances.
  • - Analyse settlement cycles, float balances, and funding costs to identify idle or inefficiently deployed cash.
  • - Support Payment Operations in forecasting and allocating liquidity by corridor and payment partner.
  • - Develop insights linking liquidity use to partner billing, payout timing, and FX exposure impacts.
  • - Recommend actions to optimise prefunding levels and currency allocation efficiency.
  • - Monitor FX gains and losses arising from daily transactions and settlements across MarTrust and Navigator.
  • - Track and explain variances between transactional FX rates and benchmark rates, identifying drivers such as timing mismatches or partner spread changes.
  • - Produce periodic exposure analysis by currency and recommend hedging or offset actions aligned to Treasury strategy eg weekend thresholds
  • - Support development of FX and payout pricing frameworks aligned to true network cost and target margins.
  • - Collaborate with Finance, Commercial and Product teams to prepare customer-specific price proposals and profitability analysis.
  • - Monitor realised versus target margins, identifying corrective actions or repricing needs.
  • - Recommend price tiering or routing adjustments based on corridor cost performance and market competitiveness.

Requirements

  • - Strong background in financial analysis, pricing, or payments network optimisation, ideally gained within a fintech or banking environment.. **Advanced skills in data modelling, cost analysis, and FX or treasury analytics preferred, supported by practical experience in partner cost or network performance analysis.
  • - Understanding of payment network architecture, partner pricing models, and FX margin drivers.
  • - Skilled in data modelling, cost benchmarking, and performance tracking using Excel, Power BI, or similar tools.
  • - Knowledge of cross-border payments, multi-currency treasury operations, and hedging principles.
  • - Ability to design and manage pricing frameworks and approval processes across payout and FX services.
  • - Familiarity with card scheme cost structures (MasterCard, VISA assessments & cross-border) is advantageous.
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
financial analysispricing optimizationdata modellingcost analysisFX analyticspartner cost analysisnetwork performance analysiscost benchmarkingperformance trackingliquidity analysis
Soft Skills
collaborationanalytical thinkingproblem-solvingcommunicationrecommendation skills