Head of Cards & Partnerships

Humm BNPL; Adelaide; On-site; AUD 210,000 - 320,000; Full time

Job summary

hummgroup seeks a Head of Cards & Partnerships to lead end‑to‑end performance, growth and regulatory integrity of the Cards business, including proprietary, white label and co‑branded programs, and strategic partnerships.

You will own the Cards P&L, set strategy, and drive remediation while partnering with cross‑functional teams to deliver compliant, scalable outcomes and strong customer value.

Qualifications

• Extensive senior leadership experience in cards, consumer finance or payments.
• Proven P&L ownership and commercial decision‑making capability.
• Demonstrated experience delivering white label, co‑branded or partnership‑led products.
• Strong understanding of regulatory, risk and compliance obligations in financial services.
• Experience leading or sponsoring customer remediation.
• Credit card scheme and processor experience.
• ASX‑listed or similarly governed organisation experience.
• Track record of scaling partnership‑led growth.

Responsibilities

• Own the Cards P&L, actively driving revenue, cost and risk levers to deliver profitable, sustainable growth.
• Define and execute the Cards strategy aligned to enterprise objectives, customer needs and regulatory expectations.
• Develop and maintain a customer‑led product roadmap, balancing growth, experience, risk and compliance.
• Oversee portfolio performance across acquisition, engagement, credit quality and lifecycle management.
• Lead the strategy, development and ongoing management of white label and co‑branded card programs.
• Identify, assess and execute strategic partnership opportunities that drive customer acquisition, engagement and distribution.
• Be the driving force behind partner onboarding and execution, across Product, Technology, Marketing, Risk, Legal and Operations.
• Build strong senior‑level relationships with partners to maximise mutual value and long‑term growth.
• Sponsor and lead the Cards Customer Remediation work, ensuring fair and timely outcomes for customers.
• Own remediation governance, escalation and decision‑making for the Cards portfolio.
• Partner with Risk, Compliance and Legal to ensure remediation meets regulatory and community expectations.
• Drive systemic fixes and control improvements arising from incidents and remediation activity.
• Embrace the complexity of a regulated environment and ensure the Cards business never compromises on compliance.
• Provide clear, timely reporting to executive leadership on performance, risk, incidents and remediation.
• Lead and develop a high‑performing Cards leadership and product team.
• Collaborate across cross‑functional squads and enterprise stakeholders to deliver outcomes at pace.
• Listen to customer feedback, address pain points and drive continuous improvement in customer experience.
• Model a hands‑on, accountable leadership style, willing to challenge the status quo and operate in a fast‑paced environment.

Skills

Senior leadership

P&L ownership

Partnerships & growth

Regulatory & compliance

Customer remediation

Credit card/payments knowledge

Stakeholder management

Education

Bachelor degree in Business/Finance/Commerce/Economics

Postgraduate or executive education desirable

Job description

About the Team

hummgroup (ASX-HUM) is one of Australasia’s most successful and enduring fintech organisations with a proud legacy of rewriting the playbook for digital spending. We help people buy everything, everywhere, every day. Our product ecosystem of buy now pay later, credit cards, and business financing products has been designed around the core needs of today's shoppers, retailers, and small and medium enterprises. The Consumer Australia business operates with a relatively lean, flat organisational structure which means we all take end-to-end responsibility for our focus areas and also means we get to work on a variety of campaigns at any one time. The Consumer Australia team have broad responsibilities in supporting customers & merchants. We are responsible for full end-to-end marketing covering acquisition, lifecycle and engagement, social strategy, media strategy, Public Relations, brand and CX.

About the Role (purpose of the role)

The Head of Cards & Partnerships is accountable for the end‑to‑end performance, growth and regulatory integrity of the Cards business, including proprietary products, white label and co‑branded programs, and strategic partnerships. The role sets and executes Cards strategy, owns the Cards P&L, leads partner‑led growth initiatives, and ensures strong customer outcomes through disciplined risk management and effective remediation. Working closely with delivery squads and enterprise teams, the GM translates strategy into scalable, compliant and commercially sustainable outcomes.

What Your Responsibilities Look Like...

Strategy, P&L and Portfolio Performance

• Own the Cards P&L, actively driving revenue, cost and risk levers to deliver profitable, sustainable growth.
• Define and execute the Cards strategy aligned to enterprise objectives, customer needs and regulatory expectations.
• Develop and maintain a customer‑led product roadmap, balancing growth, experience, risk and compliance.
• Oversee portfolio performance across acquisition, engagement, credit quality and lifecycle management.

White Label and Co‑Branded Cards

• Lead the strategy, development and ongoing management of white label and co‑branded card programs.
• Ensure partner products are scalable, compliant and commercially viable across origination, servicing and lifecycle.
• Act as executive owner for key partner programs, ensuring contractual, brand and customer commitments are met.
• Balance partner customisation with platform efficiency, operational control and long‑term portfolio health.

Partnerships and Growth

• Identify, assess and execute strategic partnership opportunities that drive customer acquisition, engagement and distribution.
• Lead commercial structuring and negotiation of partnership and co‑branding arrangements.
• Be the driving force behind partner onboarding and execution, working across Product, Technology, Marketing, Risk, Legal and Operations.
• Build strong senior‑level relationships with partners to maximise mutual value and long‑term growth.

Customer Remediation and Regulatory Accountability

• Sponsor and lead the Cards Customer Remediation work, ensuring fair and timely outcomes for customers.
• Own remediation governance, escalation and decision‑making for the Cards portfolio.
• Partner with Risk, Compliance and Legal to ensure remediation meets regulatory and community expectations.
• Drive systemic fixes and control improvements arising from incidents and remediation activity.

Risk, Compliance and Governance

• Embrace the complexity of a regulated environment and ensure the Cards business never compromises on compliance.
• Provide strong governance across product change, partner launches and operational incidents.
• Support regulatory engagement and reviews relating to Cards and partner programs.
• Provide clear, timely reporting to executive leadership on performance, risk, incidents and remediation.

Leadership and Ways of Working

• Lead and develop a high‑performing Cards leadership and product team.
• Collaborate effectively across cross‑functional squads and enterprise stakeholders to deliver outcomes at pace.
• Listen to customer feedback, address pain points and drive continuous improvement in customer experience.
• Model a hands‑on, accountable leadership style, willing to challenge the status quo and operate in a fast‑paced environment.

Who will thrive in this role

You will be commercial and customer focussed, driven to make a positive difference in the merchant experience. You thrive in a fast‑paced environment where no two days are the same and are keen to roll up your sleeves to get things done.

The successful candidate will have the following:

• Extensive senior leadership experience in cards, consumer finance or payments.
• Proven P&L ownership and commercial decision‑making capability.
• Demonstrated experience delivering white label, co‑branded or partnership‑led products.
• Strong understanding of regulatory, risk and compliance obligations in financial services.
• Experience leading or sponsoring customer remediation.
• Credit card scheme and processor experience.
• ASX‑listed or similarly governed organisation experience.
• Track record of scaling partnership‑led growth.
• Strong commercial and customer focus.
• Proactive, adaptable and comfortable with complexity.
• Confident challenging thinking while remaining pragmatic and outcome‑driven.
• A “doer” who leads from the front and builds trust across teams and partners.

Qualifications

• Tertiary qualification in Business, Finance, Commerce, Economics or a related discipline.
• Postgraduate or executive education desirable.
• 10+ years’ experience in a related field or position

hummgroup is a diversified non-bank financial services institution offering business financing products, credit cards, and point-of-sale finance plans designed around the core needs of today’s shoppers, retailers, and small to medium enterprises. Our experience as a leader in financing larger purchases – whether through working with our retail partners or making our offers direct to customers – provides the platform, stability, strength and the acumen to support us in our continuing innovation journey in the face of tech and service evolution. We have built a strong global team of high performing people who are focused on delivering the best customer experience and innovative products.

Introduce Yourself! We're always on the lookout for talent.