Senior Manager, Consumer Lending

Bendigobank; Adelaide; Hybrid; AUD 150,000 - 210,000; Full time

Benefits offered by this job

Flexibility First

Continuous Growth

Purpose-Driven Culture

Job summary

Bendigo and Adelaide Bank is seeking a senior Product Leader to own a critical product portfolio, shape multi-year roadmaps, and drive exceptional customer outcomes across branch, mobile, phone, and digital channels.

You will report to the General Manager Products & Analysis and lead a high-performance product team, aligning strategy with regulatory standards and enterprise pillars for sustainable portfolio growth.

Qualifications

• Proven experience in developing, embedding, and executing product roadmaps and portfolio strategies in financial services.
• Strong financial literacy with portfolio P&Ls, margin dynamics, and pricing analytics.
• Hands-on delivery with agile product practices and backlog management.
• Excellent communication to influence senior executives and cross-functional teams.
• Solid understanding of regulatory governance and customer care standards.
• Mentors teams to foster high performance and learning culture.

Responsibilities

• Strategic Planning & Roadmapping: Define and execute customer-centric strategies with multi-year roadmaps across channels.
• End-to-End Product Lifecycle: Manage from concept through GTM to ongoing optimization and simplification.
• Performance, Pricing & Portfolio Economics: Own pricing structures and financial frameworks to drive profitability.
• Cross-Functional Collaboration: Partner with Distribution, Marketing, Digital Channels, and Technology teams.
• Technical & Backlog Prioritisation: Translate needs into user stories and guide trade-offs with delivery squads.
• Proactive Risk & Governance: Ensure compliance with APRA standards and ethical market practices.
• Team Leadership & Capability: Inspire and develop Product team with a continuous improvement mindset.

Skills

Proven Product Leadership

Commercial & Analytical Acumen

Delivery & Agile Savvy

Influencing & Stakeholder Mastery

Prudential & Regulatory Soundness

Inspirational Mentorship

Job description

Make a meaningful impact where purpose meets performance

Are you a strategic product leader passionate about designing market-leading customer journeys, driving portfolio growth, and shaping the future of banking?

We are looking for an experienced and forward-thinking Product Leader to take ownership of a critical product portfolio, steer multi-year product roadmaps, and champion exceptional customer outcomes across all channels.

About the Role

Reporting directly to the General Manager Products & Analysis and serving as an integral member of the Product & Analysis Leadership Team, this senior role carries end-to-end accountability across your designated product sets.

Operating with autonomy and strategic vision, you will shape and implement a forward-looking product roadmap, guide product simplification and rationalisation, and lead commercial pricing strategies that drive sustainable portfolio performance.

Key Responsibilities include:

• Strategic Planning & Roadmapping: Define and execute customer-centric product strategies and multi-year roadmaps aligned with enterprise pillars, ensuring balance between customer needs, commercial viability, and channel execution.
• End-to-End Product Lifecycle: Manage the full product lifecycle in accordance with our Product Lifecycle Framework—from conceptualisation, business case approval, and go-to-market execution, through to continuous optimization and product simplification.
• Performance, Pricing & Portfolio Economics: Own pricing structures and financial frameworks, driving portfolio profitability, balance sheet growth, and margin management while articulating clear customer value.
• Cross-Functional Collaboration: Partner closely with Distribution, Marketing, Digital Channels, Transformation, and front-line bankers to deliver cohesive, frictionless experiences across branch, mobile, phone, and digital channels.
• Technical & Backlog Prioritisation: Translate strategic customer and business needs into actionable product specifications, working directly with delivery squads to manage backlogs, craft user stories, and guide trade-off decisions.
• Proactive Risk & Governance: Embed a strong risk culture, ensuring products remain fully compliant with regulatory frameworks, APRA prudential standards, and ethical market practices.
• Team Leadership & Capability: Inspire, mentor, and foster high performance within the Product team, driving a continuous improvement mindset and celebrating collective achievements.

What You'll Bring

You are a lateral thinker, strategic influencer, and seasoned product professional with deep financial services expertise and a strong commercial track record.

We are seeking:

• Proven Product Leadership: Demonstrated experience developing, embedding, and executing product roadmaps, pricing models, and portfolio strategies within retail or business financial services.
• Commercial & Analytical Acumen: Strong financial literacy with experience managing portfolio P&Ls, margin dynamics, pricing elasticity, and performance KPIs.
• Delivery & Agile Savvy: Hands-on experience translating customer needs into product features, working with delivery backlogs, and managing agile product delivery.
• Influencing & Stakeholder Mastery: Exceptional communication skills with the ability to build trust, influence senior executives, and unite diverse teams across distribution, risk, and technology.
• Prudential & Regulatory Soundness: A solid understanding of the Australian financial services regulatory landscape, product governance standards, and customer care principles.
• Inspirational Mentorship: Proven capability to lead, develop, and uplift team members in a collaborative, learning-focused environment.

Why Bendigo and Adelaide Bank?

We are proud to be Australia's better big bank. Here, you'll enjoy the scale and impact of a major financial institution paired with genuine care, community focus, and agile decision-making.

• Flexibility First: Meaningful hybrid and flexible work options designed to support your work-life balance.
• Continuous Growth: Structured career pathways, leadership development programs, and enterprise-wide mobility.
• Purpose-Driven Culture: Work for an organization recognized consistently for high trust, customer advocacy, and social impact.

Ready to Shape the Future of Banking?

If you are ready to bring your strategic vision and product expertise to a bank that truly puts people first, we would love to hear from you.

We offer flexible work options that put our people first, working in a hybrid model with a minimum local Head Office attendance requirement determined by your Leader, to find a rhythm that works best for you and your team. We believe that coming into the office some of the time is the best way to learn, stay connected and collaborate effectively, especially for key activities like team days, 1:1s, and town halls.

This role is a Full time, permanent role based in any of our head office locations.

So, why work for us?

With over 2.9 million customers, we are one of Australia's largest retail banks with a vision our purpose - ‘to feed into the prosperity of our customers and communities, not off it'. In fact, over $366 million have been put back into communities nationwide. We developed Up, Australia's first fully digital bank, which has grown to over one million customers in just six years. We are regularly voted one of Australia's most trusted brands and this isn't something we take lightly, which means Bendigo Bank is the Bank you can be proud to work at!

So, what are you waiting for? Come and join the better big bank!

Research suggestions 60% of women and underrepresented groups might stop here, even after getting as far as drafting an application. We believe that diversity makes every team stronger, so even if you don't tick every box we still want to see your application!