Senior Portfolio & Pricing Manager

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: 

• 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:

• 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