Product Manager - Home Loans

Company DescriptionColCap is a leading and privately owned non-bank lender operating in the Australian market. ColCap specialises in prime home loans and has a loan portfolio in excess of $19 billion. ColCap employs over 350 staff located in Australia, the Philippines, UK and Malaysia with its Head Office in Sydney. We are a rapidly growing, innovative non-bank lender in a period of exciting transformation. Our mission is clear: to redefine the non-bank lending landscape, becoming the preferred choice for residential and commercial lending. We’re building a future where lending is smarter, more accessible, and truly customer-centric. As we scale, we're fostering a high-performing, data-driven, and customer-obsessed culture. Here, you'll find a friendly, collaborative "roll up your sleeves" environment where open communication and a shared ambition drive us forward.Role DescriptionAs our Product Manager – Home Loans, your role is key to driving the performance and profitability of our home loan portfolio. This includes the day-to-day management and strategic evolution of our product offerings, ensuring we not only meet but exceed our growth ambitions. You’ll lead with a data and customer-centric approach, directly impacting net interest income, acquisition costs, risk management, and customer lifecycle. This is your opportunity to shape the future of home lending in a dynamic, high-growth environment, making a tangible difference from day one.Key Skills & QualificationsStrong knowledge in product development, business strategy, and product lifecycle management.Experience with market analysis and strategy creation for home loan or financial services products.Skills in stakeholder engagement, collaboration, and cross-functional team coordination.Strong ability to interpret complex data, identify trends, and translate insights into actionable product strategies.Experience in identifying process improvements and documenting systems and controls (e.g., SOPs, PIMs).Understanding and experience in pricing strategies and process efficiency within lending.A Bachelor's degree is a minimum requirement.Key ResponsibilitiesPortfolio Performance: Drive the growth and profitability of the home loan portfolio, focusing on pricing, net interest income, acquisition costs, and write-off reduction.Risk & Compliance: Act as a Subject Matter Expert for current and future regulatory landscapes, ensuring robust legal risk and compliance management.Customer Lifecycle Management: Develop and implement strategies to drive conversion rates (speed to yes), customer retention and enhance the overall customer lifecycle experience.Product Strategy & Execution: Proactively manage tactical and strategic elements of the product and market landscape, adapting to evolving needs and opportunities. Conducting market research and competitor benchmarking.Process Optimisation: Champion the development of Standard Operating Procedures (SOPs) and Product Information Memorandums (PIMs) to document and improve processes and controls.Cross-functional Collaboration: Work closely with the Head of Product and other internal teams to support and enable the company's ambitious growth trajectory.Data-Driven Insights: Utilise data literacy to monitor product performance, identify trends, and inform strategic decisions for continuous improvement.