Financial (40%)

• Own the P&L portfolio, accountable for revenue, costs, and profitability against approved budgets
  
• Lead annual and quarterly planning, including budgeting, forecasting, and scenario analysis
  
• Drive profitability levers — pricing, product performance, customer value, and cost efficiency — through prioritised initiatives
  
• Sponsor and govern the investment roadmap, ensuring disciplined spend and measurable returns
  
• Own performance reporting, translating results into actions and escalating material variances
  
• Develop and present business cases to senior forums, remaining accountable for approved outcomes
  

Customer (30%)

• Own the customer growth agenda across acquisition, onboarding, activation, engagement, retention, and reactivation
  
• Set customer goals and success metrics, ensuring initiatives are prioritised and tracked accordingly
  
• Lead experience improvements through research, analytics, and structured testing to drive conversion and satisfaction
  
• Develop proposition enhancements that improve customer value while maintaining responsible outcomes
  
• Build and maintain strategic relationships supporting growth and consistent service delivery
  
• Represent the customer in cross-functional forums, providing performance narratives and advocating for change
  

Internal Business Processes (10%)

• Establish a clear growth operating rhythm across planning, prioritisation, execution, and performance review
  
• Lead cross-functional delivery of priority initiatives, actively managing timelines, dependencies, and outcomes
  
• Partner with risk, credit, and compliance teams to ensure initiatives meet governance requirements
  
• Drive continuous improvement by identifying issues, quantifying impact, and sponsoring corrective actions
  
• Ensure decisions are backed by clear analysis with risks and trade-offs documented and communicated
  
• Coordinate across product, technology, data, finance, and operations to deliver an aligned commercial roadmap
  

Learning & Growth (20%)

• Lead, coach, and develop a high-performing team with clear priorities, standards, and accountability
  
• Build capability in growth management, analytics-driven decision-making, and disciplined execution
  
• Foster a culture of innovation and structured experimentation, ensuring learnings are documented and scaled
  
• Develop succession depth through mentoring, performance management, and targeted development plans
  
• Stay current on market trends, translating insights into portfolio actions
  
• Contribute thought leadership to shape strategy and strengthen commercial discipline across the business