Paul Withers Email & Phone Number

Auckland, New Zealand

Responsible for Debit Cards and Unsecured Lending this is an enterprise owner product leadership role. Accountable for the strategy and the business plan to achieve organizational key results and profit outcomes. Also responsible for leading cross functionally to ensure customer experience, risk and regulation and purpose outcomes are achieved through all of our operations.

Auckland, New Zealand

Following an injury that caused a significant concussion (traumatic brain injury) I took a sabbatical and decided to re-enter the workforce at a more junior level... Product Manager Debit Cards and Savings

Auckland, New Zealand

Lead Personal Lending (Credit Cards, Personal Loans and Overdrafts) using Agile delivery methods. Responsible for a cross functional team including Product, Marketing, Customer experience and Data managers.

Auckland, New Zealand

Heading up Cards Issuing within the BNZ. End to end responsibility for Credit, Debit and Pre-paid Card programs. Performance (Growth, Revenue and Costs), Product Development, Strategy, Innovation and Partnerships. Direct line management for a team of ten (Senior Product Managers and Product Managers). Delivered stretch growth targets as well as significant cost reductions.

Auckland, New Zealand

Responsible for New Zealand and Australian Fuel Card products. Designed a turnaround strategy and delivered a firm understanding of the portfolio economics, pricing and processes while building solid strategic relationships with card provider fleetcor and oil companies including BP, Mobil and Z energy.

Auckland, New Zealand

Comnercial role spanning a range of lending products including Credit Cards, Personal Loans and Interest Free finance through Gem Visa. Developed and implemented strategic plans to add value by leveraging distribution channels including branch (kiwi bank), general retail (Harvey Norman, Noel Leeming) and supermarket / loyalty (Countdown, OneCard). Led a significant change agenda including the build of a strong team who delivered a significant turnaround, reversing four years of… Show more Comnercial role spanning a range of lending products including Credit Cards, Personal Loans and Interest Free finance through Gem Visa. Developed and implemented strategic plans to add value by leveraging distribution channels including branch (kiwi bank), general retail (Harvey Norman, Noel Leeming) and supermarket / loyalty (Countdown, OneCard). Led a significant change agenda including the build of a strong team who delivered a significant turnaround, reversing four years of volume and new account declines to deliver double digit growth across all four partnerships. Show less

Melbourne, Australia

Led the relationship with co-branded credit card partner, Coles. Oversee a wide range of internal functions to deliver value to and expand the relationship with Coles and Wesfarmers. Orchestrated a transformation with the partner over a five year period moving from a poor relationship to signing a joint venture. Rebranded the credit card, developed and launched new credit cards products and redesigned the loyalty programme. First to deliver mobile payments and a mobile app in Australia which… Show more Led the relationship with co-branded credit card partner, Coles. Oversee a wide range of internal functions to deliver value to and expand the relationship with Coles and Wesfarmers. Orchestrated a transformation with the partner over a five year period moving from a poor relationship to signing a joint venture. Rebranded the credit card, developed and launched new credit cards products and redesigned the loyalty programme. First to deliver mobile payments and a mobile app in Australia which included banking info and linked to the retail loyalty programme, flybuys. Show less

Melbourne, Australia

Re-engineered the Credit and Debit Card points based loyalty programs to deliver increased value to the bank and its customers at a significantly reduced cost. Subsequently managed a full vendor selection process, from request for proposal through to contracts. Designed and implemented a string of repricing and migration projects with a combined value to the bank of over $10 million.

London, United Kingdom

Responsible for loyalty, leading a team of commercial and marketing professionals to deliver point and non point based loyalty across the bank's product categories, including Credit Cards, Debit Cards, Home Insurance and Car Insurance.

Basingstoke, Uk

Responsible for identifying and implementing opportunities to enhance the customer experience of The AA, while adding value to the business. Once justified, through presentation of business cases (at board level) the role involved acting as a catalyst for change, creating virtual teams, assigning responsibilities and coordinating the implementation across various work streams and business functions.

Windsor, Berkshire, United Kingdom

Worked on the retail side of a co-branded credit card that was famous for its outstanding loyalty program, largely managed in house; Goldfish Credit Card. Responsible for the product, operations, sales and marketing of 'white labelled' customer offerings spanning insurances, travel and wine. Also responsible for business development and delivering new partnerships to the loyalty programme, from identification of prospective partners to contracts and ongoing partner management.

Various - South East England

Fast track to management program with one of the UK's most customer focussed organisations. Held a variety of Marketing positions on a rotational basis in Marketing Communications, 'Customer Strategy and Segmentation' and Brand strategy across The AA, British Gas and Goldfish Bank.

Cardiff, United Kingdom

Awarded paid scholarships through College and University which also provided great learning and leadership training opportunities.

Bsc(Econ), Politics And Modern European History, 2:1

Activities and Societies: Officer Training Corps, Ultimate Frisbee, Student Warden Joint Major with Honours (Bachelor of Science.

A Levels, English Literature, French, History, Archaeology