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:
We’re looking for an experienced Portfolio & Pricing Manager to join our Finance team and play a key role in shaping the performance and profitability of our Consumer Lending portfolio across Personal Loans and Consumer Auto.
Key responsibilities:
We’re looking for an experienced Portfolio & Pricing Manager to join our Finance team and play a key role in shaping the performance and profitability of our Consumer Lending portfolio across Personal Loans and Consumer Auto.
This is a commercially focused role sitting at the intersection of Finance, Product, Risk, Treasury and Distribution. You’ll use data, financial analysis and commercial insight to understand what is driving portfolio performance, identify opportunities and help the business make informed decisions around growth, pricing, profitability and investment.
You’ll have the opportunity to work across a broad range of initiatives from pricing strategy and portfolio optimisation through to business cases, new propositions, AI and automation.
Key responsibilities:
- Portfolio & Profitability: Analyse portfolio performance, profitability, margin, funding costs and credit outcomes, turning insights into opportunities to improve returns.
- Pricing & Optimisation: Lead pricing analysis, support risk-based pricing and assess the impact of pricing decisions on volume, margin, risk and customer outcomes.
- Commercial Strategy: Build financial models, forecasts and business cases to support new products, strategic initiatives, investments and longer-term lending strategy.
- Channel & Customer Economics: Assess broker, channel, product and customer profitability to identify opportunities to improve commercial outcomes.
- AI & Business Improvement: Evaluate AI, automation and technology opportunities, quantify benefits and support investment decisions and value tracking.
- Commercial Insights: Translate complex analysis into clear recommendations and partner with senior stakeholders to drive better business decisions.
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:
- 5+ years' experience across portfolio management, pricing, commercial analytics or related roles within financial services
- Experience in consumer lending, retail banking, automotive finance, asset finance or unsecured lending.
- Strong understanding of lending economics, profitability, pricing, margin and credit risk.
- Strong financial modelling, forecasting and business case experience.
- Advanced Excel and strong SQL skills, with experience in Power BI, Tableau or similar.
- Strong commercial judgement and analytical problem-solving skills.
- The ability to challenge assumptions, simplify complex information and communicate clear recommendations.
- A proactive, curious approach and confidence working across multiple 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
