- Own portfolio performance — analyse and optimise volume, margin, risk and returns across the Consumer Lending portfolio
- Lead pricing strategy across Personal Loans and Consumer Auto, including the development of risk-based pricing frameworks
- Model the commercial impact of pricing and policy changes on volume, margin, risk and profitability
- Develop broker and channel profitability models, covering commissions, concessions and acquisition costs
- Assess AI and automation opportunities, quantifying expected perks and return on investment
- Prepare commercial analysis and recommendations for the Head of Consumer Lending and Executive forums
- Proactively identify opportunities and bring recommendations to the business, rather than simply reporting on performance

About you:

You’re commercially curious, with strong judgement and a drive to understand the “why” behind portfolio performance. You can simplify complex analysis into clear recommendations, confidently challenge assumptions and influence senior stakeholders. You’re proactive,



solutions-focused and comfortable taking ownership of complex problems to deliver meaningful commercial outcomes.

You will have:

- 10+ years' experience across portfolio management, pricing, commercial analytics or related roles within financial services
- Deep experience in consumer lending, ideally across personal loans, automotive finance, asset finance, unsecured lending or retail banking
- Strong understanding of lending economics, portfolio profitability, net interest margin, funding costs and credit risk
- Demonstrated experience developing and optimising pricing strategies, ideally including risk-based pricing
- Strong experience analysing portfolio performance and customer cohorts, and building complex commercial models that translate analysis into business recommendations
- Advanced Excel and strong SQL capability, with experience using Power BI, Tableau or similar tools (Python or SAS advantageous)
- Strong commercial judgement and the confidence to challenge assumptions and influence senior stakeholders

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📌 Senior Portfolio & Pricing Manager (City of Sydney)
🏢 Plenti
📍 City of Sydney