Product Manager

**You’re**a passionate product professional, driven to deliver exceptional customer outcomes**:

- **We’ve**transformed our ways of working to take our customer obsession to the next level**:

- **Together we’re delivering outstanding customer experiences, and having a lot of fun along the way**

**Do work that matters**

Retail Banking Services (RBS) is the public face of CommBank, delivering a seamless banking experience for the future, to our 10 million + personal and small business customers. We offer market-leading products and services, supported by some of the world’s best systems and processes.

The Simple Credit Crew has end-to-end responsibility for the Commonwealth Bank Simple Credit business. We consist of squads that look after the development of the StepPay and Line of credit products, acquisition, the growth of our portfolio including new products and features and end-to-end process improvement.

**See yourself in the team**

Working in the StepPay Momentum Squad, this Product Manager role is a pivotal role to the success of the squad. You will report to the Chapter lead for Simple Credit Product and Solutions, who will support you with your performance and development. As a member of the squad, you will support the Product Owner in shaping our product offerings, enhancing the customer experience and driving business growth to align with our vision of providing seamless, flexible and safe product solutions. This opportunity is perfect for someone who is a product management enthusiast including interest or experience in developing customer-oriented solutions, ensuring changes are safely executed and supporting strategic initiatives to their completion. We also would love to hear from you if you have a strong interest in the Buy-Now-Pay-Later industry. If you are curious, eager to learn, have a growth mindset, and lots of energy then this is the place for you.

**Key responsibilities will include;**
- **Cross functional collaboration**:partner effectively with cross functional teams, including finance, marketing, compliance, technology, and distribution to ensure seamless product feature delivery
- **Risk management**:take ownership of managing including performance of regular controls, robust product governance, identification of issues, timely escalations and swift resolution of issues with a focus on leveraging automation
- **Customer experience**:drive continuous improvement in the customer experience by performing in depth reviews of complaints and breakpoints, refining product features and benefits, and optimising the digital experience
- **Innovation & Problem Solving**:Showcase a strong human centred design mindset to address customer needs, by ensuring that product solutions are resonant, user-focused and aligned with customers’ expectations
- **Process improvement: evaluate and address process**inefficiencies and breakpoints, creating and implementing solutions that streamline processes and enhance efficient operations.
- **Compliance**:Ensure our products meet all applicable regulatory requirements, supporting regulatory responses and preparations, including upcoming changes related to the Buy-Now-Pay-Later Regulatory reforms
- **Product Governance**: Support all product governance responsibilities to deliver client-centric products while managing risk for both customers and CBA. Collaborate with key stakeholders in preparing for Product Governance Forums
- **Market research and innovation**:Identify and assess industry trends, customer preferences, competitive offerings and emerging technologies. Propose innovative product ideas to enhance market share and position the product as a market leader
- **Data driven decision making**:use product performance metrics, such as spend active rates, to inform strategic decisions and adapt the product roadmap as necessary
- **Culture**:Play a leading role across the broader Simple Credit Crew, fostering collaborative culture and ensuring all CBA values are demonstrated at all times

**We want to hear from you if you have;**
- Experience in customer experience, journey mapping, or a related role with a proven track record of understanding and enhancing the customer journey
- Ability to lead initiatives and successfully execute a roadmap
- Exceptional communication and presentation abilities, capable of articulating complex ideas clearly and effectively to audiences, including cross-functional teams
- Strong stakeholder engagement and influencing skills to build relationships within and outside of the domain
- Proven problem-solving skills coupled with a strong ability to innovation and think differently about strategies to grow the portfolio
- Experience in delivering strong outcomes in an Agile environment
- Strong analytical skills with experience in customer research and data informed decision making
- Comprehensive knowledge of the commercial, industry, customers, regulatory and competitive landscape, particularly within the payments sector