Head Of Pricing, Personal Everyday Banking
Current
Aug 2022 - Present
AeroLeads people directory · profile
Philip Gardiner Email & Phone Number
Head of Pricing, Personal Everyday Banking at NAB
at
NAB
1 work email found
@xero.com
LinkedIn matched
✓ Verified July 2026
4 data sources
Profile completeness 100%
Current company
Role
Head of Pricing, Personal Everyday Banking at NAB
Location
Melbourne, Victoria, Australia
Who is Philip Gardiner? Overview
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Quick answer
Philip Gardiner is listed as Head of Pricing, Personal Everyday Banking at NAB at NAB, based in Melbourne, Victoria, Australia. AeroLeads shows a work email signal at xero.com and a matched LinkedIn profile for Philip Gardiner.
Philip Gardiner previously worked as Head of Pricing, Personal Everyday Banking at Nab and Head of Product at Coinjar. Philip Gardiner holds Bachelor Of Science, Majors In Maths, Chemistry from University Of Melbourne.
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Email format at NAB
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{first}.{last}@xero.com
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Profile bio
About Philip Gardiner
I have conceived and built a number of highly successful digital product and services - such as ANZ Buy Ready (Mortgages), ANZ Business Insights (an SME data & reporting service), GetCreditScore (a service that has provided over 1M Australians with their credit bureau score) and the SocietyOne Personal Loan Quote (the first product of it's type in the Australian market).I have strong technical skills in needs based segmentation, design thinking, market research, data analysis, experimental design/test and learn, and sales funnel optimisation.Over 20 years working in product and portfolio management roles in fintech (SocietyOne), major bank (NAB, ANZ, Westpac) and cloud accounting firms (Xero).Before that, 8 years working for Telstra in customer research, customer segmentation, strategy and product management roles in B2B and consumer markets. Undergraduate degrees in BSc (majors in Pure Mathematics and Chemistry) and BBus (Marketing).
Listed skills include Portfolio Management, Segmentation, Credit Cards, Retail Banking, and 37 others.
Current workplace
Philip Gardiner's current company
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15 roles
Philip Gardiner work experience
A career timeline built from the work history available for this profile.
Head Of Product
Dec 2021 - Aug 2022
Head Of Small Business Credit & Data Products
Aug 2018 - Dec 2021
Director, Strategy & Cvp (Credit Cards)
Oct 2017 - Aug 2018
Head Of Platform (Clearmatch)
Clearmatch is a world class technology platform that enables the creation of lending marketplaces. Clearmatch powers Australia's leading marketplace SocietyOne and several other large financial institutions.
Jan 2016 - Oct 2017
Head Of Products
Responsible for product development, the digital customer experience and website development. Delivered application conversion rate increase of 20x since Jan'15
Jan 2015 - Dec 2015
Head Of Strategy
The first employee of SocietyOne. Responsible for the development of the business model and strategy (market segmentation, opportunity sizing, and financial modelling). Supported the raising of equity funding of $7m in 2013 and $25m in 2014, and debt funding commitments of almost $100m
Apr 2012 - Dec 2014
Senior Manager, Portfolio Management, Retail Mortgages
Acquisition and Portfolio Marketing programmes - including conception and development of the ‘ANZ Buy Ready’ proposition. ANZ Buy Ready was launched in Feb’12 and is still ANZ’s headline Mortgage acquisition campaign. See http://www.buyready.anz.com, or view the ad belowCustomer RetentionCost reduction programmesAnalytics and MIS
Jan 2009 - Apr 2012
Senior Manager, Small Business Banking
Programmes to grow Small Business accounts, increase lending and cross sell servicesAnalytics and MISConceived and built 'ANZ Business Insights' service. Utilised iterative research and prototyping to get the initial prototype into market within 6 months. ‘ANZ Business Insights’ was awarded the CANSTAR Innovation Award by Cannex in March 2011. It continues to be a strategic service differentiator for ANZ. See https://anzbusinessinsights.com, or view the the video below
Mar 2008 - Jan 2009
Head Of Portfolio Management, Credit Cards, Consumer Finance
Marketing programmes: Credit limit increases, Customer Retention, Campaigns to build revolving balances, Product migrations, Pricing for profitCustomer insight and stakeholder management: Responsibility for ANZ’s consumer cards Customer Satisfaction programme, Responsibility for execution of ANZ Cards ‘Responsible Lending’ promises under the ANZ Customer Charter, Customer segmentation and its application to product design, pricing and marketing Applications/Decision/Analytics: Profitability modelling and delivery of customer specific offers to Sales channels via front office systems, Redevelopment of Sales performance metrics to be aligned to business profitability, Encouraging a “test and learn” culture throughout the business
Oct 2006 - Mar 2008
Manager Portfolio Management, Credit Cards, Consumer Finance
Management of balance transfer programmes Management of credit limit increase customer facing programmesDevelopment of behavioural segmentation model
Oct 2003 - Oct 2006
Manager Market Segmentation
Jan 2000 - Oct 2003
Product Manager Isdn
Jul 1995 - Jan 2000
Retail Territory Manager
Dec 1989 - Sep 1992
Graduate
Feb 1988 - Dec 1989
2 education records
Philip Gardiner education
Bachelor Of Science, Majors In Maths, Chemistry
University Of Melbourne
Bachelor Of Business, Marketing
Monash University
FAQ
Frequently asked questions about Philip Gardiner
Quick answers generated from the profile data available on this page.
What company does Philip Gardiner work for?
Philip Gardiner works for NAB.
What is Philip Gardiner's role at NAB?
Philip Gardiner is listed as Head of Pricing, Personal Everyday Banking at NAB at NAB.
What is Philip Gardiner's email address?
AeroLeads has found 1 work email signal at @xero.com for Philip Gardiner at NAB.
Where is Philip Gardiner based?
Philip Gardiner is based in Melbourne, Victoria, Australia while working with NAB.
What companies has Philip Gardiner worked for?
Philip Gardiner has worked for Nab, Coinjar, Xero, Westpac, and Societyone.
How can I contact Philip Gardiner?
You can use AeroLeads to view verified contact signals for Philip Gardiner at NAB, including work email, phone, and LinkedIn data when available.
What schools did Philip Gardiner attend?
Philip Gardiner holds Bachelor Of Science, Majors In Maths, Chemistry from University Of Melbourne.
What skills is Philip Gardiner known for?
Philip Gardiner is listed with skills including Portfolio Management, Segmentation, Credit Cards, Retail Banking, Commercial Banking, Credit Risk, Customer Experience, and Financial Modeling.
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