Product Manager, Credit Automation
SydneyHybridFull-time
AI Summary
Product Manager, Credit Automation at Plenti owns the delivery engine for credit automation, translating credit policy into product requirements, managing third‑party verification integrations, and driving enhancements to improve straight‑through processing and decision accuracy.
About this role
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:
Plenti's credit automation domain sits at the core of how quickly and accurately we assess and approve lending across personal loans, renewable energy and auto.
As Product Manager, Credit Automation, you’ll own the delivery engine of this domain — driving product enhancements, BAU credit policy changes and third‑party verification integrations that enable fast, accurate decisions. You’ll translate credit policy into clear product requirements, manage integrations with providers like Fortiro, GreenID, CoreLogic, PPSR and Illion, and help lift STP (straight‑through processing) rates to reduce the cost of decisioning. This role suits a PM who enjoys tangible delivery, is comfortable in a regulated environment and is keen to deepen their expertise in credit risk.
Key responsibilities:
- Own and deliver enhancements to Plenti’s credit automation stack from requirements through to release and post‑launch monitoring.
- Manage BAU credit policy changes, turning rule and parameter updates into clear, testable product and engineering requirements.
- Lead end‑to‑end delivery of third‑party verification integrations (e.g. Fortiro, GreenID, CoreLogic, PPSR, Illion), including scoping, vendor management and testing.
- Maintain and improve the verification and income assessment stack to increase automation, reduce false positives and improve decision speed and accuracy.
- Track and contribute to STP improvement targets, prioritising high‑impact automation levers with engineering and credit stakeholders and managing a well‑groomed backlog.
- Partner with engineering on technical requirements, release readiness and production performance, and support incident triage, remediation and communication.
- Coordinate end‑to‑end testing for credit automation workstreams, embedding test coverage into delivery plans.
- Contribute to the AI‑assisted credit decisioning roadmap by documenting current state and identifying new automation opportunities.
About you:
- 3–5 years’ product management experience in a digital product environment, owning delivery across complex, technical workstreams.
- Fintech or lending product background (consumer lending, BNPL or financial services) where compliance and regulation shape product decisions.
- Experience delivering third‑party API integrations end to end (data providers, verification services or similar).
- Exposure to credit or risk domains, with enough depth to engage credibly with credit policy and understand downstream impacts.
- Excellent written and verbal requirements skills; able to turn ambiguous policies into clear, testable acceptance criteria.
- Comfortable operating in a regulated environment, factoring compliance, incidents and remediation into delivery and prioritisation.
- Strong delivery discipline, technical aptitude, attention to detail, collaborative mindset and genuine curiosity about credit risk and lending operations.
Skills
API IntegrationsBacklog ManagementCredit PolicyCredit RiskFintech/lendingIncident TriageProduct ManagementRequirements EngineeringSTP (straight‑through Processing)Third‑party Verification
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