Coles Group Limited is an Australian public company that operates several market leading retail chains. Since its foundation in 1914, Coles has cemented itself as one of Australia’s most trusted brands. With sales revenue over 39bn and market capitalisation of 23bn, Coles is the second largest retailer in Australia.Operating within Coles Group, Coles Payment Services is a payments business providing a full range of innovative in-store and online payment solutions for retailers. Uniquely, as a Payments business operating within one of Australia’s largest retailers, Coles Payment Services understands retail and consumers. Coles is the 5th largest Acquirer in the market, and has direct connections and relationships with schemes, technology providers, industry bodies and regulators.I led the online payments team, with responsibility to own and manage the platforms, technology and vendors that combined delivering the end to end solution for online payments. This included delivering new payment gateways, acceptance methods, industry initiatives, fraud and cost reduction tools, network tokenization, and payment innovation. I worked collaboratively with key strategic customers, various business and project teams, senior management, operational teams, vendors, and key stakeholders in the payments industry.

Consulting to NYC and Melbourne based businesses on product strategy, development and operational processes, as well as expansion.

eNett (now part of Wex Inc.) is a travel industry specialist and payments expert that creates innovative and trusted payment solutions that integrate info business systems and workflows. By delivering financial, data, and efficiency benefits to over 4,000 customers globally, eNett is considered a leader in its field. My responsibilities included managing the delivery of major projects and strategic initiatives; creating a culture that facilitated customer driven product design and agile development; developing and implementing best practice product development and management processes.

Rubik (formerly - now acquired by Temenos AG) was a leading listed technology company that provided financial technology and software to over 200 financial sector clients in over 16 countries. Its COIN software supported more than 15,000 financial advisers and administration staff across Australia, from single adviser practices to major financial institutions.My role included development of the product marketing roadmap; management of strategic customer requirements; business case and project management; product development and management.

WEX Inc. is a leading fleet, corporate and prepaid payment solutions company that operates globally across a variety of industries. WEX is committed to ongoing innovation and the development of information management solutions that drive cost savings, revenue and business efficiencies. Within Australia WEX offered customers a diverse range of products and services to customers including small businesses, fleet companies, oil industry partipants, automotive companies, as well as consumers. My role included developing and implementing product marketing plans/strategies; delivering initiatives that continually improve financial performance and market share; and creating and managing the fuel product roadmap through initiatives that drive acquisition, retention, revenue and cost savings.

National Australia Bank is one of Australia’s leading financial services organisations, and at the time had over 40,000 people, operating more than 1,800 branches and service centres and responsible to more than 460,000 shareholders. The NAB Mortgages team led and changed the industry at that time by offering market leading rates, removing fees and simplifying products.I was responsible for NAB's mortgage portfolio that was distributed via the Broker channel. I developed and enhanced products and processes to significantly contribute towards maximising revenue, profitability, volume growth and customer satisfaction.

UBank is a division of NAB - one of Australia's largest banks. Even though UBank is part of the National Australia Bank, its philosophy and brand is unique. A winner of multiple industry awards, UBank pioneered online only banking in Australia. UBank simplified banking by offering customers market leading products, supported by an efficient consumer friendly online experience and 24/7 service. I was resposible for UBank's portfolio of existing products, as well as the development of future products. I enhanced the ongoing profitability and development of the product portfolio including, pricing, sales, portfolio management & retention, and key stakeholder management. I led the development of new products and the future roadmap.

As a dynamic communications company focused on bringing the benefits of the internet to mobile communications, 3 is constantly challenging and developing the UK market. At the time 3 UK was a member of the HWL group of 3G companies, 3 at the time had over 5 million active customers in the UK and over 20 million worldwide, with 3G operations in Australia, Austria, Denmark, Hong Kong, Ireland, Israel, Italy, Macau and Sweden.I owned the Insurance portfolio of products that complimented 3 Mobile's core products and services. I managed the end to end product portfolio and lifecycle management; developed and implemented product marketing plans and initiatives; and was responsible for operational and sales process optimisation.

RBS Insurance was at the time the second largest general insurance provider in the UK, and growing provider of general insurance in Europe. RBS Insurance sold and underwrited retail, wholesale and commercial insurance through some of the UK’s biggest and best known insurance brands including Direct Line, Churchill, NIG, Privilege and Green Flag. I was responsible for new product development. I developed the business portfolio through successful product and proposition development; collaborated with internal stakeholders to guide and deliver appropriate marketing communications plans; and formulated and managed integrated product strategies and plans that improved the customer proposition.

RAC Motoring Services was part of Aviva at the time, the world’s fifth largest insurance group and largest insurance services provider in the UK. RAC has been developing motoring services since 1897, and currently enriches the lives of more than 2.2 million members by providing a range of products and services.I managed the UK, Small Business and European Rescue product ranges and pricing; oversaw and provided input into all B2C and B2B marketing activities; and managed proposition development and implementation to drive differentiation and market penetration.

Goodyear Tyres, the world’s largest tyre company, is internationally recognised for being at the forefront of tyre technology. In Australia, Goodyear at the time was a 50/50 joint venture between Goodyear Tires USA and Ansell, and had market leadership with annual sales of over AU$1B.I managed the Goodyear and Associate Brand product portfolio and budgets to ensure sales, new product introductions, revenue and profit targets were met. This included developing the pricing and market positioning of Goodyear and Associate Brand products; creating, implementing and managing annual brand marketing plans, which included managing external agencies to develop and implement media, publicity, online and trade marketing campaigns.