Product Owner: Complex Credit Policy Experience

Westpac Group; Sydney; On-site; AUD 140,000 - 180,000; Full time

Job summary

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.

Responsibilities

• 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.

Skills

Product Owner

Cross-functional

Customer insights

Discovery skills

Data-driven

Commercial thinking

Stakeholder management

Market awareness

Communication

Job description

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.