Head of Unsecured Lending Proposition

vor 4 Wochen

Haymarket, Österreich eFinancialCareers Ltd. Vollzeit
Job Description

If you could create the best digital bank in Australia, what would it look like? How would it make life easier? And what would you do to create a 6-star customer experience?

We're wondering the same thing.

We're building something new

We're building the new AMP Bank: a fully digital bank with new products, delivered via a mobile app with killer features, to make banking easy for everyday Australians and small businesses. No paperwork. No red tape. No complicated processes or confusing financial chat. Just simple, smart banking; a tap away. The way banking should be.

We've got the tech. We've got the approach. We just need the team to help us take AMP Bank to market in early 2025 and make it the best digital banking experience Australia's ever seen.

We need industry stirrer-uppers

You know: non-conformers. Those who are compelled to do something different. Who care enough about the customer to ask the big questions no one else will. Who want to know what if. What if we tweaked this, or toggled that. You zig when everyone else zags, disagree without being disagreeable, and love the rush of starting something new.

Specifically, Head of Unsecured Lending Proposition not boxed in by job title

You will be helping us to build and run this exciting new digital business. The purpose of this role is build and grow unsecured lending proposition for both Small business and Personal Banking Customers.

You will:Own unsecured lending proposition for Small business and Personal Banking customers across all parts of customer lifecycle.Input into the target audience considerations and customer needs analysis as required to ensure the proposition is fit for purpose.Ensure that defined targets are met by designing and implementing desirable product propositions, balancing customer experience, digital features and pricing considerations.Prioritise products and features in line with growth ambition, margin and loss rate targets while giving a strong consideration to revolving vs instalment credit needs of customers.Contribute to the forecasts and work with Finance, Treasury and Risk stakeholders closely.Prepare pricing recommendations carefully balancing margin, growth and loss rate, factoring in the proposition value and competitive position.Manage disclosure documents.Lead a team of product professionals; collaborate with external partners and stakeholders.Stay updated with industry trends, regulations, and technological advancements.Promote a culture of innovation and continuous improvement, fostering an environment conducive to creativity and teamwork.

What mattersExperience operating in a Digital based B2C business.Extensive experience working in banking and financial services experience with a product manufacturing background including design, implementation and market disclosure.Proven track record in growing unsecured lending and/or deposit book.Strong understanding of pricing strategies, P&L and Balance sheet optimisation.Ability to deliver results through others via effective leadership and coaching.Ability to contribute to the development of business plans and present in senior leadership environments.Experience in identifying, assessing and addressing operational risk.Understanding of competitors propositions and industry trends and as they relate to banking.Starting with the customer in mindBeing curious, always asking why, what and howPlaying as one team, making the Bank's goals our own.

Imagine the lovechild of a fintech start-up and a big four

Agile and hands on meets established and fully resourced. That's kind of who AMP Bank is.

We're setting up a whole new, digital business, building solutions our customers have asked for, and shaping how that business runs. Only we're doing it with the backing of a tech platform that works (the same tech that fuelled Starling Bank's success in the UK) and the financial muscle of AMP's 170-year heritage.

Take that. Add you. Shape who we become.

Right now, we're taking the best of AMP's current culture, borrowing from successful neobank cultures and creating something entirely new. So, there are still a lot of unknowns.

But you'll be part of the original squad, setting the tone for who we become.

You'll help us build the new AMP Bank from scratch, and shape the culture the wider AMP business adopts. A lot of it will be trial and error and making mistakes, so you need to be comfortable with things not always going to plan. We are.

And we're 110% in this together. So, you won't go it alone, but you will be called to muck in and play your part. This is no place to hide. We want your ideas to be heard and celebrated. It's about moving fast, working together and being transparent in everything we do.

This is how we'll make AMP Bank happen.

It's all of the fun, with none of the financial risk

This is your greenlight to take a sledgehammer to traditional banking and build a meaningful digital business from scratch. One that's so simple, smart and savvy, people write songs about it. Only, instead of the sleepless nights and cashflow worries that come with the start-up phase, you'll have the tools, money, team and salary of a fully-fledged business. It's all of the fun of a start-up, with none of the personal risk.

So, roll up your sleeves. There's work to be done.

Sure, it's going to be a fast, furious, challenging ride. It's new for us too. But that's the thrill of it. So, roll up your sleeves and burn your suit. There's work to be done.

Let's build the bank you wish existed

Let's get rid of the old school, the outdated and bank statements collecting dust on kitchen benches. And make AMP Bank the relatable, customer-obsessed bank we know it can be.

Apply now >Boost your career

Find thousands of job opportunities by signing up to eFinancialCareers today.

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