The Role
Own portfolio performance and pricing strategy across personal loans and consumer automotive finance. Analyze volume, margin, risk, returns, customer cohorts, and lending economics; build pricing, profitability, and commercial models; evaluate policy, AI, and automation opportunities; and provide recommendations to senior executives. Collaborate with Product, Risk, Treasury, Finance, and Distribution to improve growth, profitability, and portfolio returns.
Summary Generated by Built In
Who is Plenti?
Plenti is a fintech lender, providing faster, fairer loans by leveraging its smart technology. Plenti is a dynamic and innovative business that is growing strongly. By continuing to deliver better customer experiences, Plenti is taking market share from incumbent players in the personal lending, renewable energy, and automotive finance markets.
We are a fast moving and ambitious business that seeks to recruit smart and capable people, who can take ownership of their role to help the business thrive. With over 250 people based in Australia, Plenti is of a size where everyone can make a difference in their role and help us realise our very big ambitions as a team, as we go about building Australia’s best lender.
Plenti is a founder led business that launched in 2014, listed on the ASX since 2020 with annual revenue of over $250 million and a loan portfolio of over $3 billion.
About the role:
The Senior Portfolio & Pricing Manager is a highly commercial role within Plenti's Consumer Lending team, responsible for understanding and optimising the performance and profitability of the Consumer Lending portfolio across Personal Loans and Consumer Automotive. Bringing deep expertise across portfolio management, pricing and lending economics, you will use data to understand what is driving performance and identify opportunities to improve growth, margin and returns. Working closely with Product, Risk, Treasury, Finance and Distribution, you will help shape pricing strategy, evaluate new opportunities and provide the commercial insight behind some of Plenti's most important Consumer Lending decisions.
Key responsibilities:
The Senior Portfolio & Pricing Manager is a highly commercial role within Plenti's Consumer Lending team, responsible for understanding and optimising the performance and profitability of the Consumer Lending portfolio across Personal Loans and Consumer Automotive. Bringing deep expertise across portfolio management, pricing and lending economics, you will use data to understand what is driving performance and identify opportunities to improve growth, margin and returns. Working closely with Product, Risk, Treasury, Finance and Distribution, you will help shape pricing strategy, evaluate new opportunities and provide the commercial insight behind some of Plenti's most important Consumer Lending decisions.
Key responsibilities:
- Own portfolio performance — analyse and optimise volume, margin, risk and returns across the Consumer Lending portfolio
- Lead pricing strategy across Personal Loans and Consumer Auto, including the development of risk-based pricing frameworks
- Model the commercial impact of pricing and policy changes on volume, margin, risk and profitability
- Develop broker and channel profitability models, covering commissions, concessions and acquisition costs
- Assess AI and automation opportunities, quantifying expected benefits and return on investment
- Prepare commercial analysis and recommendations for the Head of Consumer Lending and Executive forums
- Proactively identify opportunities and bring recommendations to the business, rather than simply reporting on performance
About you:
You’re commercially curious, with strong judgement and a drive to understand the “why” behind portfolio performance. You can simplify complex analysis into clear recommendations, confidently challenge assumptions and influence senior stakeholders. You’re proactive, solutions-focused and comfortable taking ownership of complex problems to deliver meaningful commercial outcomes.
You will have:
You’re commercially curious, with strong judgement and a drive to understand the “why” behind portfolio performance. You can simplify complex analysis into clear recommendations, confidently challenge assumptions and influence senior stakeholders. You’re proactive, solutions-focused and comfortable taking ownership of complex problems to deliver meaningful commercial outcomes.
You will have:
- 10+ years' experience across portfolio management, pricing, commercial analytics or related roles within financial services
- Deep experience in consumer lending, ideally across personal loans, automotive finance, asset finance, unsecured lending or retail banking
- Strong understanding of lending economics, portfolio profitability, net interest margin, funding costs and credit risk
- Demonstrated experience developing and optimising pricing strategies, ideally including risk-based pricing
- Strong experience analysing portfolio performance and customer cohorts, and building complex commercial models that translate analysis into business recommendations
- Advanced Excel and strong SQL capability, with experience using Power BI, Tableau or similar tools (Python or SAS advantageous)
- Strong commercial judgement and the confidence to challenge assumptions and influence senior stakeholders
What's life like at Plenti?
Working at Plenti means joining a team that is high-performing, diverse, customer-focused and collaborative. It’s a place where everyone can “make it happen” and share in the results and success. If being in a dynamic industry as part of a market-leading fintech sounds like you, then join to help us reshape Australia’s financial eco-system for the good.
In return, you will enjoy a culture of innovation and entrepreneurship to take your career further. We offer flexible working and volunteer and study leave to develop your skills. We also have monthly social events, office snacks, company Townhalls and D&I initiatives and events to help you connect with your colleagues.
Plenti is committed to a diverse and inclusive workforce.
We encourage people from different backgrounds to apply, including Aboriginal and Torres Strait Islander people and people with disabilities. When you apply, let us know of any reasonable adjustments you may need during the interview process so we can accommodate you.
Skills Required
- 10+ years of experience across portfolio management, pricing, commercial analytics, or related financial services roles
- Deep experience in consumer lending, ideally personal loans, automotive finance, asset finance, unsecured lending, or retail banking
- Strong understanding of lending economics, portfolio profitability, net interest margin, funding costs, and credit risk
- Demonstrated experience developing and optimizing pricing strategies, ideally including risk-based pricing
- Strong experience analyzing portfolio performance and customer cohorts
- Experience building complex commercial models that translate analysis into business recommendations
- Advanced Excel capability
- Strong SQL capability
- Experience using Power BI, Tableau, or similar tools
- Python or SAS experience
- Strong commercial judgment and confidence influencing senior stakeholders
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The Company
What We Do
Plenti is building Australia's best lender. Our smart technology offers faster and fairer car, renewable energy and personal loans to help borrowers bring their big ideas to life. We've also helped more than 27,000 investors earn strong, stable returns by investing in loans to creditworthy Australians. We've originated more than $3.5 billion in loans since establishment, with our strong growth supported by diversified distribution channels and funding, and underpinned by our exceptional credit performance and continual innovation. We've won more than 30 awards for our outstanding loan products, and have been recognised in the Deloitte Technology Fast50, Deloitte Asia Pacific Technology Fast 500, AFR Fast 100, and the FT High-Growth Companies Asia Pacific. Plenti listed on the ASX in September 2020
