Product Owner, Complex Credit Policy Experience

Westpac Group; Sydney; Sur place; AUD 140 000 - 180 000; Plein temps

Résumé du poste

Westpac Group is seeking a Product Owner – Complex Credit Policy Experience to lead a cross‑functional squad in the Home Lending team. You’ll shape product direction, backlog, and use customer insights, market trends and data to improve experiences for self-employed customers and investors.

You’ll collaborate with Credit Risk and other specialists to simplify income assessment, serviceability and credit processes while ensuring responsible lending and strong risk outcomes.

Qualifications

• Strong Product Owner or Product Management experience in a complex, customer‑focused or regulated environment.
• A strong customer mindset, with experience using customer and frontline insights to understand problems and identify opportunities.
• Strong discovery skills, including using interviews, observation, journey insights and data to understand customer and user needs.
• A data‑led approach, with the ability to use customer, market and performance insights to shape priorities and measure outcomes.
• Strong commercial thinking, with the ability to balance customer experience, growth opportunities, competitiveness, risk and operational outcomes.
• The confidence to challenge existing approaches, test assumptions and explore different ways to solve complex customer problems.
• Strong stakeholder management and influencing skills, with the ability to bring together teams across Product, Credit Risk, Distribution, Legal, Compliance, Data and Technology.
• An interest in understanding the external market and using competitor insights to identify opportunities for Westpac.

Responsabilités

• Lead a cross‑functional squad to improve complex credit experiences for key customer groups.
• Own the product direction, backlog and prioritisation using customer insights and data.
• Collaborate with Credit Risk, Distribution, Legal, Compliance, Data and Technology to turn opportunities into practical solutions.

Connaissances

Product Owner

Cross-functional

Customer insights

Discovery skills

Data-driven

Commercial thinking

Stakeholder management

Market awareness

Communication

Description du poste

What’s the role?

You’ll be joining our Home Lending team, helping shape credit policies that make it easier for customers with more complex needs to choose Westpac.

Job Description

What’s the role?

You’ll be joining our Home Lending team, helping shape credit policies that make it easier for customers with more complex needs to choose Westpac.

As Product Owner – Complex Credit Policy Experience, you’ll lead a cross‑functional squad focused on improving how we support key customer groups, including self‑employed customers and investors. You’ll take ownership of the product direction, priorities and backlog, using customer insights, market trends and data to identify where we can create better experiences and strengthen our competitiveness.

You’ll spend time understanding the experiences of customers, brokers and lenders, while looking at how Westpac compares with other lenders. Working closely with Credit Risk and other specialists, you’ll identify opportunities to simplify areas such as income assessment, investor lending, serviceability and credit processes while continuing to deliver responsible lending and strong risk outcomes.

You don’t need to be the deepest credit‑policy expert in the room. You’ll bring the customer, product and commercial perspective, ask the right questions and bring together expertise from across Credit Risk, Product, Distribution, Legal, Compliance, Data and Technology to turn opportunities into practical solutions.

This is an opportunity to challenge thinking, bring fresh ideas and help create simpler credit experiences that support sustainable growth while keeping our customers and responsible lending at the heart of every decision.

What will I need?

• Strong Product Owner or Product Management experience within a complex, customer‑focused or regulated environment.
• A strong customer mindset, with experience using customer and frontline insights to understand problems and identify opportunities.
• Strong discovery skills, including using interviews, observation, journey insights and data to understand customer and user needs.
• A data‑led approach, with the ability to use customer, market and performance insights to shape priorities and measure outcomes.
• Strong commercial thinking, with the ability to balance customer experience, growth opportunities, competitiveness, risk and operational outcomes.
• The confidence to challenge existing approaches, test assumptions and explore different ways to solve complex customer problems.
• Strong stakeholder management and influencing skills, with the ability to bring together teams across Product, Credit Risk, Distribution, Legal, Compliance, Data and Technology.
• An interest in understanding the external market and using competitor insights to identify opportunities for Westpac.
• Strong communication and problem‑solving skills, with the ability to turn complex information into clear recommendations and priorities.

Why join us?

We’re obsessed with becoming our customers’ #1 banking partner for life and we’re looking for people who are passionate about helping us achieve that goal. In return, we’re committed to making Westpac the best place to work in the country. Here are just a few of the ways we’re already doing that:

• Special offers on banking products and discounts from top brands, including generous employee‑only mortgage rates!
• A variety of leave options including Culture, Lifestyle and Wellbeing leave
• Tailored learning and development opportunities to help your grow your career within the bank
• Lots of opportunities to ‘give back’ to the Community by getting involved in our many volunteering initiatives

We’re all about creating a supportive and inclusive community. We welcome everyone – no matter your age, gender, background, or abilities. We also provide additional support to welcome our veterans, Indigenous Australians and neurodiverse community.

If you need any adjustments during the recruitment process, you can find more information and contact details on our FAQs and how to contact us page , under the ‘Diversity, Sustainability and Flexibility’ section.

We’re all about helping our people grow and succeed. Whether you’re a current employee, trainee, or intern, we’re committed to your career development. If you’d like to practise your interview technique or make your CV more impactful before you apply, check out our new self‑paced eAcademy course, Prepare for Your Internal Job Search: CV & Interview Essentials. You can also Check out our FAQs and internal support resources here.

We may close this job advertisement earlier than the advertised closing date if suitable candidates are identified. We encourage you to apply as soon as possible