Product Owner, Complex Credit Policy Experience

Westpac; Sydney; On-site; AUD 120,000 - 170,000; Full time

Benefits offered by this job

Mortgage discount offers

Culture, Lifestyle and Wellbeing leave

Tailored learning and development

Volunteer opportunities

Job summary

Westpac in Sydney is seeking a Product Owner for Complex Credit Policy Experience to shape policies for customers with complex needs, including self-employed and investors. You will own the product strategy, backlog and priorities, and lead a cross-functional squad to deliver practical solutions.

You will work with Credit Risk and other specialists to simplify income assessment, investor lending, serviceability and credit processes while maintaining responsible lending, customer focus and strong

Qualifications

• 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.

Responsibilities

• Lead cross-functional squad focused on improving customer experiences for complex credit policies.
• Own product direction, backlog and priorities using customer insights and data.
• Collaborate with Credit Risk, Distribution, Legal, Compliance, Data and Technology to deliver practical solutions.
• Compare Westpac with other lenders and identify opportunities to simplify income assessment, investor lending, serviceability and credit processes while maintaining responsible lending.

Skills

Product Owner

Product Management

Discovery

Data-driven

Stakeholder management

Commercial thinking

Communication

Cross-functional

Job description

Product Owner, Complex Credit Policy Experience

Sydney, NSW, Australia

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.

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

Create Your Future Today

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 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