Pricing & Portfolio Performance Manager

Pricing Manager About Us 🚀 Bridgit is a leading non-bank lender transforming the way Australians access property finance. Purpose-built to make property transactions faster and easier, we pioneered the Buy Now, Sell Later solution – empowering homeowners to unlock their property equity and move on their terms. With a simple digital application, fast approvals, and flexible loan options, we’re making property finance seamless and stress-free. We’re now five years old and making huge strides. We have accredited over three quarters of Australia’s broker network, and launched white label solutions with Australia’s largest aggregators – Connective, Aussie Home Loans, Finsure, and Loan Market Group – and we’re just getting started. Our momentum has been recognised with awards such as Best Growth Story at the 2025 Fintech Awards, 2025 Finder People’s Choice Award for Lending Innovation, finalist for Excellence in Lending (Business & Consumer) at the 2025 Finnies, Deloitte’s Tech Fast 50 2025, and being recognised as one of LinkedIn’s top 20 Start Ups in Australia 2025. The Role This is the pricing seat at a scaling non-bank lender. You'll own the pricing position across the full product suite: where we sit by product and channel, where we should move to win, and the recommendation that gets us there. You'll own competitive response, the discretion framework the network prices within, and the commercial launch of new products, front-book origination through back-book portfolio. The calls are shaped by your recommendations, and your recommendations carry weight because they're built on your own analysis. The difference you'll make You'll inherit a working set of pricing tools and workbooks built by the Head of Strategic Finance, harden them into production-grade infrastructure, and stand up the workstreams not yet being executed: structured competitive analysis, systematic BDM deal intelligence, and portfolio pricing analytics. This is a single-threaded function that you own end to end, the modelling and Pricing Committee memos as much as the strategy and positioning. This is a data-driven house. Recommendations that arrive with the evidence and a clear read on what it does and doesn't support move the decision. If you want the commercial call to be yours to make the case for, earned through the analysis rather than asserted, and you thrive at the intersection of financial rigour and commercial ownership, this is the role. Your skills and experience Reasons instinctively from data, and is disciplined about stating what incomplete data can and cannot support. Demonstrated ownership of a rate card, loading matrix, or Pricing Committee process. 4 to 6 years in a non-bank lender, bank, or mortgage aggregator with direct exposure to pricing, portfolio analytics, or treasury. Residential or commercial lending domain knowledge required; warehouse funding cost mechanics strongly preferred. Strong on IRR, NIM waterfall, contribution margin and funding cost mechanics; computes from first principles. Excellent modelling discipline across models, tools, and analysis, this is critical; runs post-change effectiveness analysis independently. Fluent in AI-assisted workflows; owns a prompt library and reuses it. Clear, structured written output; PC memos and internal comms in plain, direct prose. Able to step into PC chair function in the Head of Strategic Finance's absence. What you'll do Own the commercial pricing position; Own the pricing position and propose whole-of-book direction: where we sit by product and channel, where we should move to win, brought to the Pricing Committee as an evidenced recommendation. Own competitive response: monitor the panel, and when a competitor moves, bring the proposed answer fast and execute once approved. Own new-product pricing and its commercial launch: rate structure through to positioning and channel approach. Provide the discretion framework and deal analytics that Sales operates with the network: where flex converts, what it costs in margin, and how penetration is trending. Bring recommendations to the Pricing Committee as decisions with a point of view, backed by data, not options papers handed to the room. Own pricing execution; Maintain the Pricing Monitor, Rate Card Master, and all four system rate reconciliations. Draft, circulate, and implement Pricing Committee memos end to end. Run unit economics checks (NIM, contribution margin, floor gap) on every pricing change. Lead the Price Change Working Group from PC approval through post-implementation QA. Build the portfolio pricing analytics workstreams not yet running; Business owner for portfolio performance reporting: own the metric definitions, interpretation, and the read to the Pricing Committee and Risk Council, with the build and pipeline executed and supported by the Data & Analytics team. Portfolio yield decomposition: gross yield, NIM, and contribution margin by product, vintage, channel, and archetype. Pricing realisation analysis: effective rate vs rate card, discretion penetration by channel, mix shift versus pricing assumptions. Discharge economics and lifetime pricing analytics across the product suite. Monthly competitive intelligence across the full lender panel: rates, credit policy, product launches, broker commissions. Archetype-weighted competitive positioning. Pricing effectiveness scorecard: conversion by rate point, pull-through by broker cohort, volume response. Back-book yield monitoring and repricing candidates dashboard. Quarterly BDM deal-level intelligence synthesis and borrower persona refresh. Drive cross-functional alignment; Partner with Marketing on broker-facing positioning, campaign timing, and rate change comms. Coordinate post-RBA comms windows across front-book and back-book. Partner with Credit, Product, and Treasury on funding cost inputs, policy alignment, and product design. Our Culture and Benefits Bridgit values its team, they are the heart of how we build this business. Along with competitive remuneration, slick offices and the chance to be part of an innovative, agile fintech, we also offer: Extra Leave – We offer birthday leave + an additional day of paid leave to be used for life events, celebrations, or just a mental health reset. Two Weeks from Anywhere – We encourage employees to work remotely from a location of their choice for two weeks each year. Learning and Development – All employees are encouraged and empowered to engage in professional development, including a number of learning initiatives run internally. Social Events – We have a jam-packed social scene, with events throughout the year to bring the team together! Ready to Make an Impact? If you're passionate about transforming lending and want to join a team that values fresh thinking and real impact, we’d love to hear from you. Apply now and help shape the future of finance! 🚀 Department Finance Team Locations Sydney Remote status Hybrid