Own portfolio performance — analyse and optimise volume, margin, risk and returns across the Consumer Lending portfolioLead pricing strategy across Personal Loans and Consumer Auto, including the development of risk-based pricing frameworksModel the commercial impact of pricing and policy changes on volume, margin, risk and profitabilityDevelop broker and channel profitability models, covering commissions, concessions and acquisition costsAssess AI and automation opportunities, quantifying expected benefits and return on investmentPrepare commercial analysis and recommendations for the Head of Consumer Lending and Executive forumsProactively identify opportunities and bring recommendations to the business, rather than simply reporting on performanceAbout 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 servicesDeep experience in consumer lending, ideally across personal loans, automotive finance, asset finance, unsecured lending or retail bankingStrong understanding of lending economics, portfolio profitability, net interest margin, funding costs and credit riskDemonstrated experience developing and optimising pricing strategies, ideally including risk-based pricingStrong experience analysing portfolio performance and customer cohorts, and building complex commercial models that translate analysis into business recommendationsAdvanced Excel and strong SQL capability, with experience using Power BI, Tableau or similar tools (Python or SAS advantageous)Robust commercial judgement and the confidence to challenge assumptions and influence senior stakeholders
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📌 Senior Portfolio & Pricing Manager (New South Wales)
🏢 Plenti
📍 New South Wales