Senior Manager, Credit Card Pricing & Optimisation

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.

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.

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