• We are empowered to make a positive difference for our customers and communities.
• You’ll join a high-performing business, backing talented individuals
• Opportunity to take ownership of the ongoing development of the Coles Cards product suite

Exciting opportunity to join NAB's Consumer Finance division as a Manager - Coles Credit Cards. This pivotal role will see you providing thought leadership for the Coles Partnership, with a focus on the Coles branded Credit Card.

Our people are customer obsessed. They prioritise the needs and satisfaction of the customer above all else. Our mindset fosters innovation and creates strong, lasting customer relationships as we strive to be the most customer centric company in Australia and New Zealand. 

In the role of Manager – Coles Credit Cards, each day, you’ll go above and beyond to take ownership of: 

Financial Management:

• Ownership of the ongoing development of the Coles Credit Card product suite
• Ownership of the Coles Cards P&L and non-financial metrics to deliver sustainable growth and meet return hurdles
• Review in-depth product profitability and pricing analysis to identify key contributors of revenue, expense, and credit losses
• Lead discussions with Partner on initiatives and drive towards outcomes supporting growth & profitability
• Track and review P&L performance (financial, growth, operational, and customer) to assess opportunities
• Collaborate with Acquisition Strategy Manager & Portfolio Lead to identify revenue growth initiatives and review current actions and impact on profitability

Product Management:

• Lead discussions with Risk on the credit scorecard, credit overlays to maximize the risk/return trade-off for the business
• Develop product strategy in consultation with Partner and continually review the product range to ensure its viability
• Develop and maintain best-in-class value propositions, product pricing, and profitability management, formulating product offers, features, and pricing strategies that create market differentiation
• Conduct competitor products and market trend analysis
• Work closely with Decision Management and Portfolio lead to develop a portfolio analytics/segmentation framework and identify opportunities for profitability optimization
• Ensure the product team follows internal controls to reduce operational risk and compliance with policies 

We’re looking for the best and brightest to deliver the best for our customers. You’ll need:  

• Experience in Financial Services.
• To build Effective Working Relationships
• Demonstrate understanding of the business and its customers. Consistently look for opportunities to improve business performance. 
• Communicate Effectively
• Leadership Disposition
• Lead Change and Innovation