Product Manager

**Meet Athena, the Home Loan Wrecker
The big banks are definitely having a lend Locking borrowers into a life sentence, charging them for sneezing, and giving 0% interest in treating customers like people. We know, we used to work for them. Enter Athena, the Game-Changing Goddess of Good Stuff.

Athena Home Loans launched in 2019 to help Aussie borrowers save money and pay down their home loan faster. Customers switching to Athena are saving ~ $61,000 over the life of their loans. Since launch, Athena has settled over $5.68b in home loans, and saved borrowers over $649m in interest savings - and grown to become one of Australia's largest fintechs.

93% of borrowers want to pay their home loan faster, but only 1-in-5 think their bank wants them to succeed. Legacy lenders are failing borrowers in meeting this challenge. Athena designed the mortgage experience from the ground up to deliver on this mission. And it is having an impact - 80% of Athena's customers are already ahead.

Borrowers are sick of loyalty tax, where new customers get great rates and existing customers see theirs creep upwards. Loyalty tax has grown to over 50bp, costing borrowers billions. In an Australian first, Athena promises to never offer new customers a lower interest rate than existing customers with Automatic Rate Match.

Only 7% of home loan borrowers refinance each year. The majority could get a better deal. Legacy lenders use complexity as a superpower: too hard, too slow, too little transparency, too much small print. Athena's innovative digital platform has been designed to eliminate these barriers.

Athena has built Australia's first cloud-native home loan platform, covering the full value chain to acquire, originate, service and fund residential mortgages. Fintechs targeting mortgages are typically only focusing on a narrow layer of the value chain (e.g. originations), then handing back to legacy bank systems. By tackling the full stack, Athena aims to cut the cost of running a mortgage business by 70% vs. legacy players, providing sustainable advantage.

Athena has raised $200m in equity funding to date in four funding rounds from leading investors including AirTree Ventures, Apex Capital, AustralianSuper, Hostplus, Macquarie Bank,Square Peg and Sunsuper,.

Customer feedback has been phenomenal. On Trustpilot, Athena has the highest rating of Excellent, with a score of 4.6/5 from almost 800 reviews. NPS is +92, exponentially higher than the Big 4 average NPS of +2.8 and bank industry average of +8.2.

**Role overview
You will build, maintain and deliver on an Acquisition roadmap to build features and enrich the customer experience for:

- Our website, and how we activate users via content, tools and experiences to provide opportunities for outreach and engagement to convert them into customers.
- Our nurture tools, combining both automated and human capabilities in deepening our engagement with customers and nudging them into action.

In addition, you will work deeply across the key metrics and will support and lead a range of business initiatives to experiment and implement process change in pursuit of optimising for conversion and growth.

**About you
You are impact and delivery driven, you really know how to bring the best out of your squad and have led teams before to continually optimise together. You're thoughtful and pragmatic, able to make the right prioritisation decisions balancing across a range of business and development opportunities. You have an entrepreneurial spark and can communicate exceptionally well across the whole business and deeply into your squad. Having you around makes everyone better.

Core priorities this role will focus on are:

- **Product planning & strategy**:Partner with the Head of Acquisition Product in exploring and defining a strategy and product roadmap, working to execute and iteratively deliver on the product roadmap by translating a high-level vision into an MVP, and series of incremental deliveries.
- **Backlog grooming & prioritisation**:Maintain a brilliant backlog, ensuring priorities can deliver on the product roadmap and are balanced with optimisation initiatives. Keep a healthy amount of user stories ready, manage cross-squad dependencies and implement the most efficient sequencing for development.
- **Cross functional engagement**:Collaborate with a broad range of internal (from Marketing to Risk to Workplace Technology) and external stakeholders to gather requirements, participate in vendor review and selection processes, communicate timelines and releases to get the right level of input in building the best product.
- **Squad Product Ownership**:Be the Product Owner in the squad, bringing clarity to what is needed and why. Make your squad your family and help them to be great.
- **User Story creation**:Anticipating and understanding requirements for prioritised initiatives and translating these into well-defined user stories and acceptance criteria for the squad