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

The Head of Spend, Balances and Loyalty- Unsecured Lending is a senior leadership role that is responsible for the strategic oversight and optimisation of the Consumer Cards and Personal Loans portfolio. This role is pivotal in driving product usage, reducing attrition and setting the foundation for long-term customer profitability across credit cards and personal lending products. The role will be instrumental in shaping the unsecured lending business by leveraging analytics, driving growth, managing rewards and partnerships and managing risks to maximise both financial and customer outcomes. 

Role Type: Permanent 

Role Location: Melbourne or Brisbane

What will your day look like?

• Develop and implement strategic plans to enhance the performance of the unsecured lending portfolio 
  
  
• Monitor and respond to market trends, competitor activities, and regulatory changes to ensure portfolio relevance and competitiveness. 
  
  
• Develop and implement portfolio management strategies to maximise profitability, growth, and customer satisfaction  
  
  
• Use data and insights to continuously improve targeting, conversion, and ROI 
  
  
• Strategic and operational management of key unsecured lending partners across cards schemes, airlines, rewards platforms, insurance, etc 
  
  
• Oversee program control documentation (e.g., issues, risks, delegations and decisions registers) and knowledge management

What will you bring?

To grow and be successful in this role, you will ideally bring the following:        

• Proven experience in customer lifecycle management, product marketing or engagement roles within consumer finance or related industries 
  
  
• Strong understanding of credit cards, personal loans and other financial services products 
  
  
• Expertise in digital marketing, data analytics, and customer segmentation 
  
  
• Proven track record in designing and executing unsecured lending portfolio management strategies  
  
  
• Strong analytical skills and experience with customer data platforms and campaign tools 
  
  
• Excellent communication, leadership, and stakeholder management capabilities 
  
  
• Strategic thinker with a hands-on approach to execution 
  
  
• Excellent stakeholder management and communication skills
   

You’re not expected to have 100% of these skills. At ANZ a growth mindset is at the heart of our culture, so if you have most of these things in your toolbox, we’d love to hear from you. 

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 119819. 

Job Posting End Date

28/07/2026 11.59pm, (Melbourne Australia)