The Commercial Manager, Personal Loans AU/NZ is responsible for driving sustainable growth and profitability of the Personal Loans business. This role operates as a key member of the Product and Commercial team, and sits at the intersection of strategy, analytics, and execution translating data-driven insights into commercial outcomes across pricing, product, distribution, and performance management.
The role partners closely with Credit, Risk, Finance, Marketing, and Distribution to optimise growth while maintaining disciplined returns.
This role is responsible for supporting and executing the product and portfolio strategy across Personal Loans and Motor Loans, with a focus on delivering sustainable revenue growth, strong customer outcomes and disciplined risk management. The role contributes across the end‐to‐end product lifecycle, including pricing, portfolio performance management, analysis, and continuous improvement.
What will you contribute to?
* Develop and execute commercial strategies to drive profitable growth across the Personal Loans & Auto portfolio
* Identify and evaluate growth opportunities across customer segments, channels, and products
* Support new product initiatives, enhancements, and market expansion opportunities, in conjunction with the Product Management team.
* Optimise existing customer strategies across retention, redraw, and top up transactions.
Analytics & Performance Management
* Optimise and champion key commercial metrics including volume, margin, yield, RAI
* Analyse portfolio performance including detailed vintage analysis, customer behaviour, and channel economics to inform decision‐making.
* Build and maintain forecasting models, business cases, and scenario analysis
* Monitor performance against targets and recommend corrective actions where required
* Support pricing strategies that balance growth, competitiveness, and risk‐adjusted returns
* Assess the impact of pricing, policy, and product changes on portfolio performance
* Work with Risk and Credit teams to ensure commercial objectives align with risk appetite
Stakeholder Management
* Partner with internal stakeholders across Risk, Credit, Finance, Operations, and Marketing
* Provide clear, data‐driven insights and recommendations to senior leadership
* Lead and coordinate key performance forum with high‐quality reporting and commercial analysis.
* Identify process, reporting, and analytical improvements to enhance decision‐making
* Contribute to a culture of commercial discipline and performance accountability to ensure initiatives deliver intended commercial and customer outcomes.
* Demonstrate new ways of working and enhance capability through AI.
What you'll bring:
Experience
* 5–7+ years' experience in commercial, analytical, or strategy roles within financial services
* Experience in personal loans, consumer finance, banking, or fintech strongly preferred
* Demonstrated track record of driving growth through data‐led insights
* AI‐native – regularly leverages AI tools to enhance decision‐making, automate reporting, accelerate content creation, and drive greater efficiency across your team
Technical & Analytical Capability
* Strong analytical and problem‐solving skills, with the ability to translate data into clear commercial actions
* Advanced Excel / financial modelling capability; experience with BI tools highly regarded
* Comfortable working with large datasets and performance metrics
Commercial Acumen
* Strong understanding of unit economics, margins, and portfolio performance
* Ability to balance growth ambition with disciplined returns
* Experience influencing outcomes without direct authority
Personal Attributes
* Commercially minded and outcomes‐focused resulting in measurable improvements.
* Confident communicator, able to present insights clearly to senior stakeholders
* Proactive, curious, and comfortable operating in a dynamic environment
* Strong strategic mindset – able to see the bigger picture and integrate customer, risk, financial and operational perspectives.
* Ability to roll sleeves up and dive headfirst into analysis and requests.
Sometimes the best candidates don't have 100% of what is listed above, but if you have most and are confident, you'd be a good fit, we'd love to hear from you!
Sound like you?
That's a good sign! In return for your energy and ideas, we offer a flexible working environment and great compensation. We always support a safe, healthy, engaging, and productive working environment for all employees and workers, whether that be in your home and office, or a combination of both.
We're Latitude, partners in money
Latitude may seem like the new kid on the block, but it's taken us almost a hundred years to become an overnight success. Digital payments, cards, loans are what we offer – but what we really are is a platform that helps people shop and live better. Always living and breathing our values. Take ownership, Win together, Pursue excellence, and Create tomorrow.
Successful applicants will be required to complete a background check (including criminal history and bankruptcy check) prior to commencement of employment. Only open to Australian or New Zealand Permanent Residents or Citizens.
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