About the role

Role Location: Melbourne or Sydney

Role Type: Permanent, Full-time

Credit cards and Personal Lending (CCPL) play an important part in the financial wellbeing of customers; meeting their ongoing needs to pay for things, borrow for small or large purchases and manage their cash flow.

The CCPL Lead will be responsible for developing, delivering, and managing compelling credit card and personal loan products and propositions, that help customer manage their cash flow and short-term borrowing needs.

As a critical member of the Everyday Banking Portfolio leadership team, you will be responsible for driving the CCPL’s product strategic vision and roadmap that is aligned to enterprise and divisional objectives. You will inspire and enable the CCPL squads to achieve their shared mission by guiding them on what to work on to achieve great customer outcomes and owning the end-to-end product management for CCPL products including associate operational risk, driving revenue growth for the business, and coordinating interdependencies between squads. You will also be responsible for defining and executing the acquisition strategy for CCPL products and optimising customer onboarding experience from application to activation to drive FUM growth. You will play an important role in collaborating across Retail and Commercial Divisions and with our value chain partners in Customer Engagement, Digital, Marketing, Data, Technology, Finance, Operations, Legal, and Risk.

This role will be integral to the oversight and day-to-day management of credit card and personal loans products will involve prioritisation and resource allocation with a focus on optimising our people and capabilities to deliver against the Everyday Banking strategy.

Your key accountabilities in this role

• Managing the P&L for Credit Card and Personal Loans business lines

• Demonstrate in-depth understanding of sales, revenue and profitability performance based on customer needs and recommend appropriate mitigation plans and strategies to the Managing Director

• Product Management as per the ANZ Product Management Policy

• Product strategy and roadmap and customer value proposition including pricing and fees

• Decommission strategy and key decisions for grandfathered products

• Providing product support, responding to front-line and escalated queries/complaints

• Defining and executing the acquisition strategy for both Consumer CC and PL

• Optimising customer onboarding experience from Application to Acquisition (Consumer CC & PL)

• Management of acquisition and credit risk polices and impact of responsible lending requirements

• Role modelling and promoting ANZ values, Create.Deliver.Together behaviours and our aspirational culture and leading the team to do the same.

About You

To grow and be successful in this role, you’ll ideally bring the following:

• Demonstrated experience or knowledge of cards and personal loans products – considered a subject matter expert

• Proven expertise in managing and analysing P&L and identifying revenue growth and cost-efficiency opportunities

• Proven commercial acumen, highly numerate and demonstrated data-driven decision making to deliver growth

• Customer focus: defines and measure success through the eyes of the customer and banker, anticipates, understands and responds to evolving customer need

• Substantive experience delivering complex change initiatives or a large BAU change agenda

• Demonstrated ability to influence senior stakeholders both internally and externally (boards and regulators) and ability to build a network of strong relationships across the bank

• Strong ability to get things done working via effective communication and strong ability to partner with operations, risk, finance and legal to resolve issues and remove barriers for the business.

• Proficiency in effectively prioritising and allocating people and resources based on priorities and strategic objectives

• The ability to lead and motivate diverse teams, anchoring your approach in ANZ’s values and leadership behaviours. This includes a reputation for coaching, encouraging curiosity and investing in people development.

About ANZ

This is an exciting time to be a leader within one of Australia's biggest banks as we take advantage of the rapid change and disruption of traditional banking business models.

Our culture is critical to making this happen so that we can adapt, evolve, and to flourish over the long term. That’s why ask our people to focus on three key things: Creating Opportunities, Delivering What matters and Succeeding Together.

We support our leaders with tools, tips and online coaching so that they can help their teams focus on these things too, helping them to grow and succeed in their roles.

ANZ recognises the value of an inclusive and diverse work environment. We take pride in the diversity of our people and encourage applications from diverse candidates. If you are a candidate with a disability, let us know how we can provide you with additional support. Our recruitment decisions are based on the key inherent needs and requirements of each role, and candidates are selected based on their unique strengths and characteristics. We work flexibly at ANZ. Talk to us about how this role can be flexible for you.

To find out more about working at ANZ or to view other opportunities visit www.careers.anz.com. You may apply for this role by visiting ANZ Careers and searching for reference number 50816.

Job Posting End Date

29/09/2023 , 11.59pm, (Melbourne Australia)