Robert (Bob) Malcolm Email & Phone Number

Bundall, Qld, Au

Melbourne, Victoria, Australia

Combining an entrepreneurial approach with an outgoing and innovative leadership style has enabled me to manage P&L, develop growth strategy plans, lead future direction, and support the best interests of all members, staff and key Stakeholders.I led the streamlined merger with Teachers Mutual Bank, which involved reviewing financials andpotential growth opportunities and securing Board support to implement the merger strategy. In addition to stabilising the organisation in response… Show more Combining an entrepreneurial approach with an outgoing and innovative leadership style has enabled me to manage P&L, develop growth strategy plans, lead future direction, and support the best interests of all members, staff and key Stakeholders.I led the streamlined merger with Teachers Mutual Bank, which involved reviewing financials andpotential growth opportunities and securing Board support to implement the merger strategy. In addition to stabilising the organisation in response to external pressures, such as interest rate cuts, I successfully navigating change resistance among staff to transition the business to remote working during COVID-19. I also built and nurtured strong relationships with key stakeholders, including Board Directors/members, shareholders, external auditors, industry regulators and potential merger partners. Show less

Sydney, New South Wales, Australia

Brisbane, Queensland, Australia

QNS narrated books, articles and general publications for the vision impaired.

Fairfield, Qld

Link Vision provides educational services for vision impaired children and independent living accommodation for vision impaired adults. It also runs a network of opportunity shops.

Maleny, Queensland, Australia

In addition to driving business growth and change, I significantly improved community outcomes by restructuring the Credit Union, managing P&L, and providing strategic recommendations to improve profitability while overseeing day-to-day operations across finance, lending, marketing, customer service and contract negotiations. I influenced the decision-making of the Board, shareholders, auditors, suppliers and government supervisors to drive momentum on various change initiatives and… Show more In addition to driving business growth and change, I significantly improved community outcomes by restructuring the Credit Union, managing P&L, and providing strategic recommendations to improve profitability while overseeing day-to-day operations across finance, lending, marketing, customer service and contract negotiations. I influenced the decision-making of the Board, shareholders, auditors, suppliers and government supervisors to drive momentum on various change initiatives and strengthened financial management and controls while reducing FTE to achieve business development and growth following 5 years of decline. I also secured unanimous Board approval for the newstrategic plan, seamlessly converted the operating model to the Bendigo Alliance Bank model, and played a key role in the business being nominated as Finalist in the Sunshine Coast Business Awards for two consecutive years. Show less

Brisbane, Australia

Key contributions in this role included improving enterprise risk management, marketing and business development, and developing strategies to drive growth, minimise risks and broaden the member base beyond government employees and with a younger demographic. I led development and implementation of an enterprise risk management framework and improved risk reporting, and established groundwork for long-term growth without the need for additional resources by targeting younger, digitally-savvy… Show more Key contributions in this role included improving enterprise risk management, marketing and business development, and developing strategies to drive growth, minimise risks and broaden the member base beyond government employees and with a younger demographic. I led development and implementation of an enterprise risk management framework and improved risk reporting, and established groundwork for long-term growth without the need for additional resources by targeting younger, digitally-savvy customers through investment in mobile banking applications. I also rebranded the business to Your Credit Union (YCU) and improved the customer experience by leading implementation of the Utracs banking system upgrade to automate processes, streamline operations, and significantly improve service delivery. Show less

Cairns, Queensland, Australia

I drove growth by rebranding a credit union to broaden appeal beyond traditional electricity employee member base, and assisted CEO with strategic planning across risk, marketing and IT, managing a $7M OPEX and $500K CAPEX. I also improved all aspects of risk (i.e. credit, liquidity, capital and operational) by deploying an enterprise risk management system that assigned accountability to various team members. My success rebranding Electricity Credit Union to ECU involved launching a series of… Show more I drove growth by rebranding a credit union to broaden appeal beyond traditional electricity employee member base, and assisted CEO with strategic planning across risk, marketing and IT, managing a $7M OPEX and $500K CAPEX. I also improved all aspects of risk (i.e. credit, liquidity, capital and operational) by deploying an enterprise risk management system that assigned accountability to various team members. My success rebranding Electricity Credit Union to ECU involved launching a series of highly successful TV branding ads and becoming the public face of the organisation to members, shareholders and other key stakeholders as the Credit Union’s spokesperson in place of the CEO. I also project managed the transfer of central banking arrangements, purchasing a new BSB and transferring all card products and other transaction products to achieve price and operational efficiencies. Show less

Melbourne, Victoria, Australia

In addition to driving strategy and business planning, and maintaining good governance practices, I led a business restructure and the seamless delivery of key projects with ownership across all lending, marketing, customer service, IT, HR and building services. I optimised service delivery by restructuring the business and refocusing efforts to service the top 10% of clients by value. I also project managed a merger with a bigger partner, leading the integration from Austral’s perspective… Show more In addition to driving strategy and business planning, and maintaining good governance practices, I led a business restructure and the seamless delivery of key projects with ownership across all lending, marketing, customer service, IT, HR and building services. I optimised service delivery by restructuring the business and refocusing efforts to service the top 10% of clients by value. I also project managed a merger with a bigger partner, leading the integration from Austral’s perspective including migrating staff to a new banking system and partner processes and procedures while strengthening relationships with key contacts at Shell Australia, HWT, Amcor, WA Newspapers and Kodak. Show less

Appointed to determine strategic direction to drive growth in assets under management and boost profitability, I held full responsibility over all planning, budgeting, governance, finance, lending, marketing, contract negotiation and customer service.• Improved profit performance, growing AUM by >50% and reducing expense to income ratio by 15pp in three years, driving loan growth by coaching the sales team to improve customer engagement;• Increased product sales and operational… Show more Appointed to determine strategic direction to drive growth in assets under management and boost profitability, I held full responsibility over all planning, budgeting, governance, finance, lending, marketing, contract negotiation and customer service.• Improved profit performance, growing AUM by >50% and reducing expense to income ratio by 15pp in three years, driving loan growth by coaching the sales team to improve customer engagement;• Increased product sales and operational efficiency by transforming a reactive, transactional sales approach to a proactive, CRM-led culture. Show less

All marketing and business development including all new product development (including FSR implications) and host company liaison. Development of the strategic marketing plan for credit union. Development of marketing and product support material, editorial, production and distribution of quarterly newsletter and development of monthly direct mail campaigns. Nominated Responsible Officer for the credit union.

I worked in short-term contract positions focusing on improving operational efficiency in medium and large credit unions while completing my MBA.

Responsible for overall strategic direction of the organisation and all aspects of business planning and budgets. Day to day responsibilities included Finance, Lending, Marketing, Sales & Service and all contract negotiation.

Responsible for overall strategic direction of the organisation and all aspects of business planning and budgets. Day to day responsibilities included Finance, Lending, Marketing, Sales & Service and all contract negotiation.

Manage service team supporting a range of on-line business products for ANZ commercial customers.

Management of UAT and product roll-out

Brisbane, Australia

Cpa, Accounting And Finance

Mba, Accounting, Economics, Fin M'Ment, Marketing, H R, Bus Law, Intl Bus, Strat M'Ment, Etc

Certificate, Co-Operative Management