Job Description
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Own portfolio performance — analyse and optimise volume, margin, risk and returns across the Consumer Lending portfolio
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Lead pricing strategy across Personal Loans and Consumer Auto, including the development of risk-based pricing frameworks
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Model the commercial impact of pricing and policy changes on volume, margin, risk and profitability
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Develop broker and channel profitability models, covering commissions, concessions and acquisition costs
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Assess AI and automation opportunities, quantifying expected benefits and return on investment
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Prepare commercial analysis and recommendations for the Head of Consumer Lending and Executive forums
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Proactively identify opportunities and bring recommendations to the business, rather than simply reporting on performance
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About you:
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You're commercially curious, with robust 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.
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You will have:
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10+ years' experience across portfolio management, pricing, commercial analytics or related roles within financial services
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Deep experience in consumer lending, ideally across personal loans, automotive finance, asset finance, unsecured lending or retail banking
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Strong understanding of lending economics, portfolio profitability, net interest margin, funding costs and credit risk
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Demonstrated experience developing and optimising pricing strategies, ideally including risk-based pricing
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Strong experience analysing portfolio performance and customer cohorts, and building complex commercial models that translate analysis into business recommendations
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Advanced Excel and strong SQL capability, with experience using Power BI, Tableau or similar tools (Python or SAS advantageous)
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Strong commercial judgement and the confidence to challenge assumptions and influence senior stakeholders
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#J-*****-Ljbffr

📌 Senior Portfolio & Pricing Manager (New South Wales)
🏢 Plenti
📍 New South Wales