A little about us

Capricorn is one of Australia and New Zealand’s largest and most dynamic Member-owned organisations. Since 1974, we’ve provided our Members with financial and business solutions to make running a business easier. Our flagship Trade Account offers instant credit with over 1600 Preferred Suppliers, simplified monthly expenses, and a generous rewards program.

We have a strong foundation in the automotive and machinery aftermarkets. Our vibrant community includes over 31,000 Members across Australia and New Zealand, from national franchises to your local family workshop. Last year, Capricorn facilitated nearly $4bn in sales with our Preferred Suppliers.

At Capricorn, we're about more than just products and services. We work hard to ensure that our Members, Suppliers and People feel like they're part of something bigger: a Community which is connected and supported to make a difference, while having some fun along the way

A little about the role

As Product Manager - Trade Account, you will be the accountable product custodian for Capricorn's flagship Trade Account, facilitating more than $4 billion in annual trade activity for over 30,000 Members. You will own its performance, governance, strategic development and ongoing optimisation across the full product lifecycle.

A major focus will be maintaining a resilient, compliant and commercially sustainable product in a changing financial services environment. You will balance regulatory and licensing obligations, assurance and delivery risk, future strategy and profitability, and the day-to-day management and maintenance needed to keep the product performing for Members.

Working closely with Credit, Finance, Risk and Compliance, Legal, Technology, Marketing,



Sales and Distribution, Operations and Data teams, you will shape the roadmap, prioritise enhancements and lead initiatives that increase utilisation, improve Member outcomes and support sustainable growth. You will position the product for an evolving set of competitors, market dynamics and future compliance and licensing requirements.

What you’ll bring

We're looking for an experienced financial product leader who combines strong governance discipline with commercial judgement, strategic thinking and the ability to influence across a highly collaborative environment.

What’s essential

- Up to 10 years experience managing a financial product within banking, lending, payments, transaction products, insurance or broader financial services.
- Demonstrated ownership of a substantial financial product or lending portfolio, ideally at hundreds of millions of dollars in annual value or comparable scale and complexity.
- Strong product management capability across strategy, roadmap development, lifecycle governance, product performance, optimisation and day-to-day management.
- Deep understanding of product governance, regulatory compliance and risk management in a regulated environment, including experience working with Risk, Compliance, Legal and Audit functions.
- Commercial and analytical capability, with experience monitoring profitability,



usage, forecasts and product performance and developing business cases or investment recommendations.
- Proven ability to lead complex cross-functional initiatives and influence prioritisation, investment and delivery decisions across business and technology stakeholders.
- The ability to balance commercial growth, regulatory obligations, operational resilience and positive customer or member outcomes.

Highly regarded

- Experience with credit, lending, payments, transaction accounts or insurance products in a large bank, mutual, insurer or similarly complex financial services organisation.
- Working knowledge of AFSL requirements, AML/CTF obligations, financial crime controls and regulatory or licensing change.
- Experience enhancing digital or transaction products to respond to modern customer expectations, technology change and emerging market challenges.

- Experience developing products in a membership, mutual, cooperative or network-based organisation.

Qualifications

A tertiary qualification in Business, Commerce, Finance, Marketing or a related discipline is preferred. Product management certification, relevant banking, lending, insurance or financial services qualifications, or postgraduate study will be highly regarded.

A little on life at Capricorn

At Capricorn, we’re committed to creating an environment where our people can thrive, both professionally and personally. That’s why we’ve built a range of perks that support wellbeing, flexibility, development, and key moments in life, helping our people do their best work while balancing what matters most to them.

Our benefits include:

- A hybrid work

📌 Product Manager (Perth)
🏢 Capricorn
📍 Perth