Secured Lending Product Owner

Teachers Mutual Bank; Sydney; Sur place; AUD 140 000 - 180 000; Plein temps

Résumé du poste

Teachers Mutual Bank is seeking a product owner‑level leader to manage regulatory and fraud‑prevention initiatives within lending and third‑party sales. You will translate regulatory obligations into concrete features and drive risk, reporting and process improvements.

You’ll collaborate with technology, data, risk and compliance teams to embed new controls, dashboards and accreditation frameworks across the bank.

Qualifications

• Experience owning a product, regulated process or complex delivery in financial services.
• Ability to translate regulatory requirements into deliverable outcomes.
• Strong stakeholder engagement across risk, compliance, technology and operations.

Responsabilités

• Translate regulatory obligations and business needs into features, user stories and acceptance criteria.
• Lead design and implementation of risk and control improvements across third‑party sales, credit and fraud.
• Shape dashboards and reporting for fraud trends, risk indicators and compliance outcomes.
• Improve end‑to‑end processes and document changes for implementation readiness.
• Facilitate workshops and decisions on risks, issues and dependencies.
• Support training, accreditation and adoption; assess outcomes of delivered changes.

Connaissances

Product ownership

Regulated delivery

Banking/regulatory knowledge

Stakeholder collaboration

Regulatory change

Formation

Tertiary qualification

Description du poste

Use your product ownership experience to help protect members, strengthen mortgage lending controls and deliver meaningful regulatory change.

This is an opportunity to lead a portfolio of initiatives focused on preventing mortgage application fraud across third-party sales, credit and fraud. You’ll turn complex risk, regulatory and operational needs into practical solutions, bringing together business, technology, data, risk and compliance teams to deliver improvements that work in practice.

Why the role matters

The quality of lending controls affects members, brokers and the Bank. In this role, you’ll help strengthen the processes, systems, reporting, training and accreditation frameworks that support responsible third-party lending.

You’ll be the key business owner for initiatives that address operational, regulatory, fraud and conduct risk. Your focus will extend beyond delivery to ensuring that new controls and processes are understood, adopted and embedded into business‑as‑usual operations.

What you’ll gain

• Purposeful work with a direct connection to member protection and trust.
• Ownership of complex regulatory and risk initiatives from requirements through to implementation.
• Broad exposure across third-party sales, credit, fraud, technology, data, operations, legal, risk and compliance.
• The opportunity to influence dashboards, controls, systems, processes and accreditation frameworks.
• A role where sound judgement, collaboration and practical delivery all matter.

What you’ll do

• Translate regulatory obligations, program objectives and business needs into clear features, user stories, acceptance criteria and priorities.
• Lead the design and implementation of risk and control improvements across third-party sales, credit and fraud.
• Shape dashboards and reporting that provide visibility of fraud trends, risk indicators, control effectiveness, accreditation and compliance outcomes.
• Improve end‑to‑end processes and system workflows, ensuring changes are documented, controlled and ready for implementation.
• Bring stakeholders together through workshops, prioritisation discussions and clear decisions on risks, issues and dependencies.
• Support training, accreditation, communications and adoption, then assess whether delivered changes achieve their intended outcomes.

What you’ll bring

Essential

• Experience owning a product, regulated process, business capability or complex change portfolio within financial services.
• Experience across banking, mortgages, lending or responsible lending, together with exposure to third-party, broker, intermediary, sales, credit or fraud environments.
• The ability to translate regulatory obligations, risk requirements, customer needs and operational problems into prioritised delivery outcomes.
• Experience developing structured requirements, features, user stories and acceptance criteria.
• Experience improving controls, processes, reporting, dashboards or system workflows.
• Confidence working across technology, risk, compliance, data, operations and change teams, including implementation readiness and post‑implementation review.
• Knowledge of Australian banking regulatory expectations and risk management frameworks.
• Clear facilitation, influencing, analytical and written communication skills.
• A relevant tertiary qualification, or equivalent professional experience in financial services, product ownership, regulatory change or complex delivery.

Nice to have

• Mortgage application fraud, financial crime or conduct‑risk change experience.
• Product backlog or roadmap ownership.
• Dashboard, management‑information or risk‑indicator design experience.
• Exposure to workflow automation or control technology.
• Experience with broker training, accreditation or competency frameworks.
• External vendor or strategic partner management experience.
• A postgraduate qualification or recognised product, business analysis, project, change, risk or governance accreditation.

If you bring strong regulated delivery experience but not every desirable item, we still encourage you to consider applying.

Why TMBL

This role offers the chance to combine product ownership with purposeful risk work. You’ll help turn regulatory and fraud‑prevention objectives into sustainable controls, clearer information and better outcomes for members and the Bank.

About TMBL

Teachers Mutual Bank Limited is one of Australia’s largest mutual banks.

For 60 years, we’ve been helping Australians achieve their financial goals while staying true to our purpose: banking for good.

As a 100% member‑owned bank, our profits are reinvested to benefit our members, communities and the causes that matter most. Our commitment to social and environmental impact is embedded in everything we do - from the products and services we offer to the way we support our people and communities.

We’re proud to be a Certified B Corp, reflecting our commitment to high standards of social and environmental performance, transparency and accountability.

Across our five retail brands, we support more than 280,000 members, including many working in education, emergency services, and healthcare — people who make a difference in communities every day.

When you join our bank, you’ll become part of a values‑led organisation where passion, excellence, growth and sustainability guide the way we work. Together, we’re creating an inclusive culture, delivering great member experiences, and proving that banking can be a force for good.

Teachers Mutual Bank Ltd may conduct a background or reference check (or both) as part of the recruitment process. By applying you agree to cooperate fully in those procedures and understand that an offer is subject to the satisfactory outcome of those checks, at the discretion of Teachers Mutual Bank Ltd.