The role partners closely with Credit, Risk, Finance, Marketing, and Distribution to optimize growth while maintaining disciplined returns. This role is responsible for supporting and executing the product and portfolio strategy across Personal Loans and Motor Loans, focusing on 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, balancing growth objectives and ensuring the portfolios remain competitive, scalable, and aligned to future market needs.
Commercial Strategy & Growth
* 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.
* Optimize existing customer strategies across retention, redraw, and top‐up transactions.
Analytics & Performance Management
* Optimize and champion key commercial metrics including volume, margin, yield, and RAI.
* Analyze 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.
Pricing & Product Economics
* 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 forums with high‐quality reporting and commercial analysis.
Continuous Improvement
* 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 outcomes.
* Demonstrate new ways of working and enhance capability through AI.
Qualifications
* 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 and AI‐native tools.
* 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.
* Strong understanding of unit economics, margins, and portfolio performance.
* Experience influencing outcomes without direct authority.
* Commercially minded and outcomes‐focused with 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.
Additional Notes
* 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.
* 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.
Benefits
* Flexible working environment.
* Competitive compensation and superannuation.
* Short‐term incentives and comprehensive employee assistance program.
* Comprehensive suite of employee benefits supporting working and personal life.
* 'Congratitude' recognition program to reinforce teamwork and achievement.
Company Culture
* Latitude promotes a safe, healthy, engaging, and productive environment for all employees.
* We value taking ownership, winning together, pursuing excellence, and creating tomorrow.
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