Address- Recognition @ Latitude: Education support, Better giving programme with charity partners, Latitude matches dollar for dollar and Community partner days.
- Annual salary reviews
- Flexibility @ Latitude: Flexible work arrangements - balance work and personal responsibilities, Hybrid set up - work from home & the office, 3 Days paid volunteer leave annually, paid community service leave, paid compassionate / bereavement leave
Reporting to Head of Portfolio Management, the Portfolio Manager is responsible for designing and executing the customer engagement strategy to optimise the risk and returns of the cards portfolio.
The role will be responsible for designing, managing, monitoring and optimising the direct portfolio stimulation and growth campaigns for credit card products to drive spend, receivables and customer engagement growth.
Responsibilities.
- Take a lead in creating portfolio management strategies to maximize portfolio growth across all customer contact and communication points
- Design, execute and monitor always-on customer management programs including:
- Early months of book/Onboarding
- Ongoing customer engagement to grow spend and build balance
- Re-activation of dormant customers
- Proactive and reactive retention
- Work with the Analytics and Insights team to use data to target customers using personalisation methodologies
- Partner with Marketing and Technology to translate customer management programs into marketing execution plans
- Undertake a value driven approach to monitor program performance at a campaign and offer level and make necessary adjustments via a robust test and learn approach
- Effectively use customer research, data and insights for customer segmentation, building propensity models and other targeting strategies.
- Assist Marketing team to deploy Segmentation and Propensity models across campaigns and offer execution
- Track key portfolio metrics to measure the success of program through creation and management of customer engagement performance dashboard
- Partner with Credit Risk to strengthen control strategies, enhancements in credit policy, optimise credit line assignment rules, etc.
- Partner with Technology and Customer Service to build and deliver an integrated and omni-channel customer engagement program
- Drive new initiatives to automate processes and operations, enhance functions to improve overall efficiency and effectiveness of the customer engagement program
About you:
- Over 5-7 years working experience in banking and financial industry in Credit Cards Lending or Personal Instalment Lending business
- Previous experience in developing and managing customer engagement programs across credit cards is highly desirable
- Strong financial acumen and a deep understanding of customer drivers, behaviours and credit cards P&L
- Good understanding of credit card receivables, marketing and risk management platforms
- Strong business acumen and project management skills
- Highly analytical with strong numeric sense
- Demonstrated problem-solving and decision-making skills
- Ability to work in a team-oriented environment
Sometimes the best candidates don't have 100% of what is listed above, but if you have most and are confident you'd be a good fit, we'd love to hear from you!
Sound like you? That's a good sign! In return for your energy and ideas, we offer a flexible working environment and great compensation. We always support a safe, healthy, engaging, and productive working environment for all employees and workers, whether that be in your home and office, or a combination of both.
We're Latitude, partners in money. Latitude may seem like the new kid on the block, but it's taken us almost a hundred years to become an overnight success. Digital payments, cards, loans, and insurance is what we offer - but what we really are is a platform that helps people shop and live better.
Always living and breathing our values. Act Right, Show Care, Be Curious.
Successful applicants will be required to complete a background check (including criminal history and bankruptcy check) prior to commencement of employment.
Only open to Australian or New Zealand Permanent Residents or Citizens.
