Job Description

About Us

At ANZ, we're shaping a world where people and communities thrive, driven by a common goal: to improve the financial wellbeing and sustainability of our millions of customers.

About the Role

This is a senior, hands‑on opportunity to own outcomes end‑to‑end and play a critical role in shaping and driving the performance of ANZ’s Credit Cards & Personal Loans portfolio.

As Senior Portfolio Manager – Early Month On Book (EMOB) (the first ~90 days of a customer’s lifecycle) & Retention, you will be accountable for the early lifecycle and retention strategy, owning key customer journeys from card issuance or loan drawdown through to first use and sustained usage. You will identify friction, simplify experiences, and drive improvements that deliver strong customer and commercial outcomes in a complex, regulated environment.

Reporting to the Head of Acquisition, Activation & Retention, you will work very closely with the Portfolio Manager – EMOB & Retention, and partner across Digital, Marketing, Operations, Risk and Legal to land outcomes that are robust, compliant and built to scale. This role will suit a commercially minded leader who can move confidently between strategy and execution, make clear trade‑offs, and influencing through strong cross‑functional leadership.

This is a rare opportunity to shape products used by millions of customers and make a real difference to everyday financial lives, tackling meaningful challenges at scale in the dynamic unsecured lending industry, whilst owning outcomes and financial performance.

Role Type: Perm- Full time
Role Location: 833 Collins Street, Docklands VIC 3008
Work Hours: 40 Hours/week

What will your day look like?

• Own and evolve the EMOB and retention strategy for Credit Cards and Personal Loans, aligned to portfolio growth, customer and financial objectives
• Translate strategy into clear initiatives, roadmaps and business cases that balance customer value, commercial impact and delivery feasibility
• Optimise the end‑to‑end customer journey across EMOB and retention, from card issuance through to first use and sustained usage, ensuring experiences are clear, simple and effective
• Operate as a portfolio strategist, using customer insight, behavioural signals and performance data to prioritise the highest‑value opportunities
• Track and manage key portfolio performance metrics, including activation rates, attrition and contribution to P&L outcomes
• Provide strong leadership in a matrix environment, aligning stakeholders, setting clear priorities and unblocking delivery
• Partner closely across Product, Digital, Marketing, Operations, Risk and Legal to deliver outcomes that are scalable
• Embed a strong risk and compliance mindset, ensuring EMOB and retention solutions are robust, sustainable and fit for purpose

What will you bring?

• Demonstrated experience leading portfolio performance, lifecycle strategy and/or customer journey optimisation in complex environments
• Strong commercial judgement with a clear sense of accountability for outcomes
• Ability to think strategically while staying close to execution, moving comfortably between big‑picture direction and detailed problem solving
• Sharp analytical skills and the ability to turn customer insight and data into clear priorities and action
• Proven ability to operate effectively in matrixed teams, influencing and aligning senior stakeholders
• Confidence navigating regulated environments and integrating risk and compliance considerations into delivery
• Experience in financial services, cards, lending or product‑led roles is highly desirable

So why join us?

From the moment you join ANZ, you'll be doing meaningful work that will shape a world where people and communities thrive.

But it's not just our customers who'll feel your impact. You'll feel it too. Because at ANZ, you'll have the resources, opportunities, and support you need to take the next big step in your career.

We're a diverse bunch at ANZ in different roles, different locations, doing different things. That's why we have a range of flexible working arrangements, so our people can 'make work, work for them'. We also provide a range of benefits including access to health and wellbeing services and discounts on selected products and services from ANZ and more.

At ANZ, you'll be part of an organisation where the different backgrounds, perspectives and life experiences of our people are celebrated. That's because we're committed to building a workplace that reflects the diversity of the communities we serve. We welcome applications from everyone and encourage you to talk to us about any adjustments you may require to our recruitment process or the role itself. If you're a candidate with a disability or access requirement, and have an enquiry about the support provided, please let us know on your application or visit ANZ Accessibility and Inclusion Programs for alternate contact methods.

To find out more about working at ANZ, visit https://www.anz.com.au/careers You can apply for this role by visiting ANZ Careers and searching for reference number 112735 .

Job Posting End Date

01/05/2026 , 11.59pm, (Melbourne Australia)