Alex Cuthbert Email & Phone Number

Sydney, Nsw, Au

Sydney, New South Wales, Australia

Key Initiatives:• Developed the go-to-market strategy for a new product, in a new market segment• Product closure of retail lending in business bank• Reimagined credit policy for commercial and risk alignment • Delivered several new features for the business banking pricing platform

Membership in Beta Gamma Sigma is the highest recognition a business student anywhere in the world can receive in an undergraduate or master’s program at a school accredited by AACSB International – The Association to Advance Collegiate Schools of Business.

Sydney, New South Wales, Australia

Big 4 Australian Bank – Institutional Deposit Product – Product Manager• Designed and delivered the re-launch of an institutional cash and cheque depositing product with a view for improved commerciality and service• Key engagement lead with the client across all facets of project delivery, including new pricing models, updated terms and conditions, customer communications, improved risk controls, frontline engagement and go-to-market strategy delivery• Improved bottom line by $1M p.a. and retained two institutional clients with an average revenue of $100m• Led the product rationalisation project for the end-to-end exit and closure of two strategic institutional cash and cheque depositing products• Led a team of four associate and senior level consultants to action and close a backlog of over 70 product risk reviews, across digital, domestic payment and liquidity institutional banking productsTier 2 Australian Bank – Business Lending Product – Product Manager• Designed enhancements to a SME lending proposition alongside the client, external vendors and other contractors• Workstream lead focusing on designing omni-channel experiences (including customer journeys and associated operational processes) with a bias for digital-only journeys to reduce turnaround time and cost to acquire• Key conduit between product and technology to articulate capabilities required for business outcomes to be achieved, which included the design of an 18 month product roadmap

Sydney, New South Wales, Australia

Tier 2 Australian Bank – Open Banking Product – Workstream Lead• Defined the end-to-end product strategy, roadmap and proposition of the Open Banking Product, including identifying opportunities for monetisation across consumer finance, transactional banking and mortgages• Successfully delivered the Open Banking product on schedule and under budget to comply with required regulations; leading a $40m workstream • Designed and delivered an accompanying digital strategy that addressed opportunities across the retail banking value-chain such as digital straight-through processes as a leaver to reduce cost to acquire in a digital environment• Operated in an agile, technology-driven environment involving a composable microservice and API enabled solution architecture and implementation

Sydney, New South Wales, Australia

Internal IBM – Global Open Banking Products – APAC Lead• Led the internal APAC Open Banking team to successfully assess the current state of Open Banking products within the APAC market as part of IBMs global current state assessment to drive practice-growth• Assessed current and predicted regulatory expectations versus current market performance and expectations, to identify opportunities for IBM to create practical out-of-box solutions• Successfully recommended a $5M investment for a new IBM product to service this global industry trend; which led to three SOWs for IBM within six months, focusing on digital verification of uploaded documents against CDR Australian Fintech – Merchants and Open Banking – Engagement Lead• Designed and delivered an Open Banking data-consumption strategy for an emerging Australian fintech focused on merchants and the payments experience• Delivered an insights engine to consume CDR data that would support a new product launch for SME customers

Sydney, New South Wales, Australia

IBM FSS Sector – IBM White Paper – Author • Authored a white paper on IBM’s industry P.O.V regarding Open Banking and the unique value-added business propositions and solutions that Financial Services clients can explore, to monetise and grow from its disruption of the Banking industry. https://www.ibm.com/downloads/cas/ED1EJZLMTier 2 Australian Bank – Business Lending Product – Engagement Lead• Delivered a comprehensively redesigned Middle-Market Annual Review process that involved process redesign, role augmentation, operating model transformation and agile technology delivery • Led delivery from discovery through pilot and into BAU, including establishing client governance forums for oversight and prioritisation• Reduced expenses by $3m p.a. across the business banking division• Successfully orchestrated trade-off decisions between senior client executives by forensically identifying cost-benefit analysis’, unit cost economics and value-pool analysis – which surfaced $12m p.a. in OPEX savings that were realisedOther Noteworthy Engagements• Supported IBM executives & the IBM sales and solutioning teams on several bid and proposals within the Financial Services sector, for three of Australia's big 4 banks across the consumer, business and institutional banking divisions.

Sydney, Australia

University of Sydney led capstone unit. Consulting on the strategic and operational opportunities and risks for Tyro, with regards to Open Banking, as a regulatory based financial services disruptor.

Sydney, Australia

Masters Of Management (Distinction Average), 84

Activities and Societies: Master of Management Society - Head of Alumni and Corporate Relations Course Rankings: - 1st in course 'Managing.

Master Of Management, Mba Exchange

Master Of Management, Mba Exchange

Bachelor Of Economics, (Economics/Business Information Systems)

Course Rankings: - 3rd in course 'Business Analysis in Practice' (INFS3070)

Higher School Certificate