Philip Gardiner work email
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Philip Gardiner personal email
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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).
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Head Of Pricing, Personal Everyday BankingNab Aug 2022 - PresentMelbourne, Victoria, Au
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Head Of ProductCoinjar Dec 2021 - Aug 2022Melbourne, Vic, Au -
Head Of Small Business Credit & Data ProductsXero Aug 2018 - Dec 2021Te Aro, Wellington, Nz -
Director, Strategy & Cvp (Credit Cards)Westpac Oct 2017 - Aug 2018Sydney, Nsw, Au -
Head Of Platform (Clearmatch)Societyone Jan 2016 - Oct 2017Sydney, New South Wales, AuClearmatch 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. -
Head Of ProductsSocietyone Jan 2015 - Dec 2015Sydney, New South Wales, AuResponsible for product development, the digital customer experience and website development. Delivered application conversion rate increase of 20x since Jan'15
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Head Of StrategySocietyone Apr 2012 - Dec 2014Sydney, New South Wales, AuThe 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
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Senior Manager, Portfolio Management, Retail MortgagesAnz Jan 2009 - Apr 2012Melbourne, Victoria, AuAcquisition 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 -
Senior Manager, Small Business BankingAnz Mar 2008 - Jan 2009Melbourne, Victoria, AuProgrammes 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
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Head Of Portfolio Management, Credit Cards, Consumer FinanceAnz Oct 2006 - Mar 2008Melbourne, Victoria, AuMarketing 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
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Manager Portfolio Management, Credit Cards, Consumer FinanceAnz Oct 2003 - Oct 2006Melbourne, Victoria, AuManagement of balance transfer programmes Management of credit limit increase customer facing programmesDevelopment of behavioural segmentation model
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Manager Market SegmentationTelstra Jan 2000 - Oct 2003Sydney, Nsw, Au -
Product Manager IsdnTelstra Jul 1995 - Jan 2000Sydney, Nsw, Au
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Retail Territory ManagerMobil Oil Dec 1989 - Sep 1992Au -
GraduateMobil Oil Feb 1988 - Dec 1989Au
Philip Gardiner Skills
Philip Gardiner Education Details
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University Of MelbourneChemistry -
Monash UniversityMarketing
Frequently Asked Questions about Philip Gardiner
What company does Philip Gardiner work for?
Philip Gardiner works for Nab
What is Philip Gardiner's role at the current company?
Philip Gardiner's current role is Head of Pricing, Personal Everyday Banking at NAB.
What is Philip Gardiner's email address?
Philip Gardiner's email address is ph****@****ail.com
What schools did Philip Gardiner attend?
Philip Gardiner attended University Of Melbourne, Monash University.
What skills is Philip Gardiner known for?
Philip Gardiner has skills like Portfolio Management, Segmentation, Credit Cards, Retail Banking, Commercial Banking, Credit Risk, Customer Experience, Financial Modeling, Financial Management, Pricing, Business Strategy, Team Leadership.
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