Consumer Lending Strategy & Enablement Manager

Bendigobank; Adelaide; Hybrid; AUD 150,000 - 190,000; Full time

Benefits offered by this job

Education reimbursement

EAP & wellbeing support (Telus Health)

Job summary

Bendigo Bank is seeking a Consumer Lending Strategy & Enablement Manager to shape the future of lending decisions and improve the customer journey across Retail, Broker and Digital channels. You will influence cross-functional teams to drive a unified lending strategy and implement data-driven initiatives that enhance performance and efficiency.

You’ll partner with Risk, Policy, and Commercial teams to modernise guidelines while guiding go-to-market strategies and pricing.

Qualifications

• Consumer lending experience across Retail, Broker, and Digital.
• Track record in strategy development or product enablement within banking or financial services.
• Experience simplifying processes and optimizing credit frameworks.
• Strong ability to interpret data and translate insights into executive narratives.
• Excellent interpersonal, communication, and presentation skills for diverse teams.
• Post-graduate qualifications are highly regarded.

Responsibilities

• Shape & execute lending strategy to translate objectives into actionable plans.
• Drive commercial performance across acquisition, conversion and retention.
• Simplify processes across the value chain to reduce friction for customers, lenders and brokers.
• Improve right-first-time submission quality and reduce rework in Retail & Third-Party channels.
• Collaborate with Credit Risk and Policy teams to modernise guidelines balancing risk and commercial outcomes.
• Develop detailed business cases using market and internal data for lending platform improvements.
• Monitor emerging risks in lending lifecycle and propose mitigations.

Skills

Consumer lending

Strategic & commercial acumen

Process improvement

Data analysis

Stakeholder management

Finance qualification

Education

Finance/Business/Commerce degree

Job description

We’ve never been ‘just a bank’. Just like you should never be ‘just an employee’. We’re united in our belief that in banking, better can be bigger, and together we’re making it happen.

Tired of lending processes that look great on a slide deck but stall at the frontline? Ready to actually fix them?

It starts here. With Bendigo Bank… and you.

Are you ready to shape the future of consumer lending and make a genuine impact on how Australians achieve their financial goals? At Bendigo Bank, we are dedicated to building trusted relationships and making banking easier for our customers, communities, and partners. As our Consumer Lending Strategy & Enablement Manager, you will be at the centre of Bendigo Bank’s consumer lending value chain.

In this high-visibility role, you will influence and align diverse stakeholder groups across the end-to-end lending value chain to foster collaborative decision-making and drive a unified consumer lending strategy. You’ll identify and lead initiatives to improve performance, leverage data-driven insights to influence go‑to‑market strategies (including pricing), optimise credit policies, and eliminate operational friction through simplification of the lending journey. If you are an energetic commercial thinker, natural problem‑solver, and collaborative influencer who thrives on challenging the status quo and delivering sustainable performance, this is your opportunity to leave a lasting footprint in an organisation that truly puts people first.

Key responsibilities:

• Shape & execute lending strategy: Help formulate an agile consumer lending strategy that translates commercial objectives and market insights into a clear, actionable strategy to improve customer and commercial outcomes.
• Drive commercial performance: Identify and lead high‑impact initiatives across customer to drive improvement in acquisition, conversion and retention outcomes.
• Simplify processes: Partner across the value chain to streamline the end‑to‑end lending process to reduce friction for customers, lenders and brokers.
• Uplift application quality: Design and implement practical action plans across Retail and Third‑Party channels to improve ’right first time’ submission quality and reduce rework.
• Influence credit policy: Collaborate closely with Credit Risk and Policy teams to modernise credit guidelines, address customer pain points, and balance risk and commercial outcomes.
• Drive data‑led prioritisation: Utilise market and internal data to develop detailed business cases to inform lending platform or processes enhancements and resource allocation.
• Support risk management: Actively monitor emerging operational, credit, conduct, and fraud risks across the lending lifecycle, proposing practical mitigations and relevant action plans.

To succeed in this role, we’d love you to have:

• Consumer lending expertise: Demonstrated experience across consumer lending products, market dynamics, and distribution channels (Retail, Broker, and Digital).
• Strategic & commercial acumen: A proven track record in business performance, strategy development or product enablement within banking or financial services.
• Continuous improvement mindset: Demonstrated success in taking initiatives from ideation to delivery - simplifying processes, optimising credit frameworks, and lifting productivity or customer experience.
• Analytical & data capability: Strong problem‑solving skills with the ability to interpret complex data, uncover commercial opportunities, and translate insights into compelling executive narratives and detailed business cases.
• Exceptional stakeholder influence: Outstanding interpersonal, communication, and presentation skills, with a natural ability to build trust, navigate complex value chains, and align diverse teams.
• Relevant qualifications: A tertiary qualification in Finance, Business, Commerce, or a related discipline (post‑graduate qualifications are highly regarded).

This is a permanent, full‑time role. We are flexible on location and open to candidates based in either Bendigo, Melbourne, Sydney and Adelaide.

So, why work for us?

With over 2.9 million customers, we are one of Australia’s largest retail banks with a vision our purpose – ‘to feed into the prosperity of our customers and communities, not off it’. In fact, over $366 million have been put back into communities nationwide. We developed Up, Australia's first fully digital bank, which has grown to over one million customers in just six years. We are regularly voted one of Australia’s most trusted brands and this isn’t something we take lightly, which means Bendigo Bank is the Bank you can be proud to work at!

We believe a diverse workforce supported by an inclusive culture is central to our success and we actively encourage applications from those who bring diversity of thought to our business. We support candidate requests for adjustment to accommodate an illness, injury or disability to equitably participate in the selection process.

Our perks and benefits:

Belong to a wonderful team of people. Know how we know they’re great to work with? They told us! Great benefits, work life balance and flexibility

• Bendigo Bank supports ongoing development, with the potential for a portion of education fees being reimbursed by the bank. We want you to be the best version of you, and to help you achieve that!
• We know the last few years have been rough, so we have partnered with TELUS Health as our EAP provider that is so much more than just one‑on‑one counselling. At the touch of a button, you will have access to self‑help 24/7 or you can live chat with a team of safety, medical, and mental health professionals to assist with anything life throws at you.

Still in two minds?

Research suggests 60% of women and underrepresented groups might stop here, even after getting as far as drafting an application. We believe that diversity makes every team stronger, so even if you don’t tick every box we still want to see your application!