James Galloway Email & Phone Number

Consumer Product Management - Credit Cards, Personal Loans, Mortgages. Full P+L and Balance Sheet Accountability for Consumer Bank Retail Product set in these categories. Leading team of 167 people setting direction for development and management of these product sets.

Temporary assignment for four months to develop a strategy for Westpac's Consumer Bank - inlcuding specific focus on Westpac consumer distribution strategy - leading the separation of Business and Consumer Banking Division into Business Financial Services and Consumer Financial Services. Leading business engagement on M&A opportunities relevant to the Consumer Bank and providing business input to analysis of competitor activities and performance

Setting strategic direction and management of Westpac's distribution of Mortgages (AUD12Bn), Business Lending (AUD2Bn), Equipment Finance/Leasing (AUD2Bn) via brokers and third party referrers. Also included full P&L accountability and strategic direction for Westpac's Unsecured Lending (cards and personal loans) portfolio

Six month assignment to restore performance of Westpac's Core Mortgage Lending Portfolio. (AUD110Bn Balance sheet and AUD25Bn new lending p.a.)Role required a rapid assessment of the problem across all aspects of the value chain - product and price, risk and distribution and sales capability for both first and third party channels. By taking the leadership role of this key issue across the value chain, a range of significant changes were made. This more than doubled the deal flow of new lending volumes per month over this period. This change has been sustained and has resulted in Westpac retaining their position as one of the leading performers in the Australian mortgage market for the two years following (to present date).

Responsibile for Westpac's Business and Consumer Marketing (AUD100M spend p.a. with 130 FTE) including positioning and stewardship of Westpac brand portfolio, leading planning and implementation of all marketing activities above and below the line, Overall leadership and development of Westpac's CRM system - both analytical and operational (AUD40M budget and 120 FTE), designing and implementation of all market research and segmentation activities, thought leadership for the planning and execution of a broad range of activities to significantly improve Westpac's customer experience and satisfaction levels across all segments, thought leadership for the specification and development of Customer Value Propositions for each of Westpac's key segments

Developed new bulky goods retail format for Australia's largest retailer - Coles Myer Limited (CML) with the strategic objective of profitably increasing CML's market share in the electrical and furniture categories. Grew concept from three stores with sales of AUD130M to profitable national chain of ten stores with sales over AUD1.0Bn. Achieved 15% comparable store sales growth and 100% total sales growth. Business later sold to Harvey Norman Group (HVN)

Myer Grace Bros Department Store Group (division of Coles Myer Limited - CML) - member of the Executive Management team of the Department Store Group (MGB) responsible for leadership of a retail busines with AUD3Bn in turnover and seventy stores nationwide.Portfolio accountabilities included Marketing (AUD100M budget), IT and Finance.

Key Account Manager for Myer Grace Bros and Myer Direct Store Cards. Full P+L Accountability for AUD1.3Bn in receivables and 1.2M active cardholder accounts.Included full responsibility for all aspects of this joint venture with Australia's largest retailer Coles Myer Limited (CML). Contacts ranged from Board levels to all areas of the retailer's marketing and operations.

Reponsible for the product management of BP Plus Fuel Cards in the Australian Market. This key business to business product generates nett profits in excess of AUD18M with national customer base of over 16,000 business accounts.Included in scope were: development of BP's marketing strategy for fuel cards in Australia, creation of new products and pricing strategies to ensure achievement of businesses financial objectives

Graduate trainee - rotations included Product Development for First Business and Economy Class products - including all aspects of inflight and gound service offers, Cabin crew and technical aircrew scheduling and logistics including optimising aircraft utlization, training in check in and airport operations and ground handling, cabin crew culture and service training workshops and cabin crew recruiting.

Masters Of Businesss (Marketing), Marketing - E.Marketing, Market Research, Services Marketing, Direct Marketing

Masters thesis completed on retail branding

Strategic Planning And Management In Retailing

Course conducted by Professor Douglas Tigert from Babson College Massachusetts USA and Professor Lawrence Ring of College of William.

Six Sigma Quality - Black Belt, Change Acceleration Program, Design For Six Sigma

Qualified Six Sigma Black Belt via GE, including Change Acceleration (CAP) and Facilitation Skills modules. Also completed Design for Six.

Grad Dipl Applied Finance And Investment, Property Investment Analysis, Futures Markets, Options Markets, Foreign Exchange Markets

Bachelor Of Economics, Economics, Economic History, Business Law, Statistics, Accounting

Finalist in Rhodes Scholarship for Australia at Large - 1987