Senior Manager, Credit Card Pricing & Optimisation

Westpac; Sydney; Hybrid; AUD 180,000 - 240,000; Full time

Benefits offered by this job

Product discounts

Flexible work arrangements

Learning & development

Volunteer opportunities

Job summary

Westpac in Sydney, NSW, is seeking a Senior Manager, Credit Card Pricing & Optimisation to shape pricing strategy and drive commercial performance of the Business Credit Cards portfolio.

You will turn insights from customer and portfolio data into actionable recommendations, working with Product, Finance, Pricing, Distribution, Risk and Data & Intelligence to balance customer needs with risk and regulatory considerations.

Qualifications

• Strong commercial judgement and analytical capability.
• Experience across credit cards or lending with pricing, portfolio management or analytics.
• Strong numerical and forecasting skills with scenario analysis.

Responsibilities

• Shape the pricing strategy and commercial performance of Westpac’s Business Credit Cards portfolio.
• Develop pricing recommendations, assess impacts and track outcomes after changes.
• Analyse customer behaviour and portfolio performance to identify opportunities.
• Collaborate with Product, Finance, Pricing, Distribution, Risk and Data & Intelligence to influence decisions.
• Own the portfolio performance view and turn insights into practical opportunities.

Skills

Credit card / lending experience

Credit portfolio performance

Financial modelling

Customer analytics

Stakeholder influence

Job description

Senior Manager, Credit Card Pricing & Optimisation

Sydney, NSW, Australia

Job Description

Create your best future and join Westpac as a Senior Manager, Credit Card Pricing & Optimisation

What’s the role?

As Senior Manager, Credit Card Pricing & Optimisation, you’ll shape the pricing strategy and commercial performance of Westpac’s Business Credit Cards portfolio. You’ll use customer, behavioural and financial insights to identify opportunities that strengthen customer value, support sustainable growth and improve overall portfolio performance.

You’ll develop pricing recommendations, assess customer and commercial impacts, and track outcomes once changes are introduced. Looking across areas such as customer acquisition, card activation, spending, balances, utilisation, engagement and profitability, you’ll turn complex information into clear recommendations and practical actions.

Working closely with Product, Finance, Pricing, Distribution, Risk and Data & Intelligence, you’ll influence important decisions while balancing customer needs, commercial priorities, credit risk and regulatory considerations. You’ll take ownership of the portfolio performance view and help turn insights into meaningful opportunities and better outcomes.

This is a permanent role based in Sydney, with a hybrid working arrangement that will see you in the office at least three days per week.

What do I need?

You’ll bring strong commercial judgement and analytical capability, along with the confidence to turn complex portfolio information into practical decisions and influence stakeholders across the business.

• Experience working across credit cards or lending, with exposure to areas such as pricing, portfolio management, commercial analytics, payments or product optimisation.
• A strong understanding of credit portfolio performance, customer behaviour and credit risk, including how pricing, risk and portfolio profitability interact.
• Strong financial modelling, forecasting, scenario analysis and quantitative problem-solving skills, with the ability to assess the potential impact of pricing and portfolio decisions.
• The ability to analyse customer behaviour, segmentation and portfolio performance and translate those insights into clear recommendations and practical opportunities.
• Strong communication and influencing skills, with the ability to work effectively across Product, Finance, Risk, Distribution and Data & Intelligence, and use analytical tools and AI responsibly to strengthen insights and decision-making.

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!
• Flexible work arrangements to help you achieve a greater work/life balance, and a variety of leave options including Culture, Lifestyle and Wellbeing leave.
• Tailored learning and development opportunities to help you 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 out more information and additional contact details by visiting the"People with Disability and/or needing Accessibility Requirements"page on our website .

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.