Head of Product, Pricing & Portfolio - Home Lending

Reo Group; Sydney; Hybrid; AUD 230,000 - 280,000; Full time

Job summary

Reo Group is seeking a Head of Product, Pricing & Portfolio for Home Lending. This role reports to executive leadership and focuses on bringing pricing and portfolio discipline to a rapidly growing loan book.

You will own product management end-to-end, drive pricing strategy, and work with distribution to optimize profitability. The position involves leading a senior team, managing credit performance, and shaping the product portfolio with a strong emphasis on P&L ownership.

Qualifications

• Senior portfolio strategy experience with real P&L ownership; not a silo role.
• Lending/product management experience in banking or lending; home lending essential.
• Strong understanding of pricing, portfolio metrics, and regulatory considerations.

Responsibilities

• Own product management end-to-end including pricing, volume, profitability reporting, and regulatory monitoring.
• Lead new product development; roadmap ownership and business cases.
• Translate broker, aggregator and customer insight into pricing and policy recommendations; collaborate with Sales and Distribution.
• Ensure products and collateral remain compliant and integrate with partners.
• Coach and build the capability of a strong operational and technical team.

Skills

P&L ownership

Pricing strategy

Portfolio management

Stakeholder influence

Job description

Head of Product, Pricing & Portfolio - Home Lending

Role Highlights: Career-defining opportunity to own the Head of Product function within a leading Financial Institution, at a pivotal moment of growth. Report directly to the a high profile Divisional Executive, with a clear mandate to bring pricing and portfolio discipline to a rapidly scaling loan book.

Role Overview

The business is in a period of accelerated growth, looking to appoint a new leader to oversee the Product, Pricing and Portfolio strategy across one of it's highest performing divisions to support continued scale.

As a Financial Institution competing against shifting funding costs, RBA rate movements and regulatory change, this is a role for a high energy specialist who wants to manage credit performance whilst supporting a highly capable distribution team and network.

Responsibilities

• Own product management end-to-end - origination volume, NIM, ROIC, AUM, pricing and discount policy, budget and profitability reporting, and regulatory monitoring
• Lead new product development, including roadmap ownership, business case, market opportunity identification and technology/data partner relationships
• Translate broker, aggregator and customer insight into pricing and policy recommendations, developing relationships with Sales and Distribution
• Ensure products and collateral remain compliant, up to date and integrate well with partners
• Coach and build the capability of a strong operational and technical team

Candidate Profile

You will be a senior product and portfolio leader with genuine P&L ownership experience, using your relationship style to lead a function where influence and trust-building are critical.

You will bring:

• Senior portfolio strategy experience with real P&L ownership rather than operating as a silo
• Lending product management experience within banking, mutual or non-bank lending, with home lending essential and strong exposure to Product Development, Portfolio and Pricing
• Working fluency with credit risk and portfolio metrics, including origination volume, NIM, ROIC, AUM and Loan Loss Provisioning
• A genuine understanding of funding cost and how it flows into pricing, along with strong broker and distribution partner exposure
• Influence-led leadership; comfortable holding a disciplined, evidence-led position with senior stakeholders

This is a rare opportunity to build a function in a high performing business, backed by full executive support and a clearly flagged pathway to future opportunities within the business.

• Join a business in a period of high growth, with a clear mandate and full backing to build pricing and portfolio sophistication
• A flagged succession pathway into future executive roles as the function and your impact grows
• Convenient location with minimal travel and hybrid working