You're seeing this page as if you were . The main menu is still yours, though. Exit from immersion
Christine ZengCZ

Christine Zeng

Head of Product (mortgage and commercial lending)

€926/day
Sydney, AU
15+ years

Average response time: 1 hour

About Christine

Strategic product leader with 10+ years of experience driving revenue growth and operational efficiency across Australian mortgage, commercial, and SMSF lending for various organizations from Major Banks (Westpac, Commonwealth Bank), fintech start up (Athena Home Loans) to non-bank near prime lenders (Thinktank).
Currently Head of Product at Thinktank, a leading non-bank lender in Australia, I specialize in end-to-end product lifecycle management — from opportunity sizing and board-level alignment to execution across credit, operations, and technology.

I bring deep expertise in customer research, lending product pricing, and market competitiveness, helping leadership teams unlock profitable lending opportunities in both prime and near-prime segments. My commercial background is supported by strong financial modelling skills and a track record of aligning product decisions with profitability analysis.

Open to freelance advisory or hands-on delivery engagements across:

Product strategy & roadmap design

Lending product optimization (mortgage, commercial, SMSF)

Market entry, pricing, and GTM strategy

Stakeholder alignment across risk, treasury, ops, and tech
  • English

    Native or bilingual

Remote only
Primarily works remotely

Experience

  • Thinktank Property Finance
    Head of Product Responsibilities
    November 2022 - Today (3 years and 7 months)
    • Board market research and in-depth competitor research to generate new product ideas or existing product improvement initiatives
    • Analyse and prioritise these initiatives via desirability, viability and feasibility framework to form product roadmap and obtain endorsement from the board
    • Engage key stakeholders from Credit, Operations, Marketing, Sales and Technology team to plan and execute product launch
  • Athena Home Loans
    Product and Portfolio Manager
    November 2019 - November 2022 (3 years)
    Responsibilities
    • Based on market research and customer feedback, prioritise product features that balance customer and business benefit. Lead the execution of these product development programs from end to end
    • Initiative, build and plan out roadmap for platform stabilisation and portfolio data quality assurance function for the business to ensure accurate financial outcomes for customers and minimise business risk
    • Work with internal stakeholders and external vendors to deliver business outcome for platform/process efficiency
    • Coach junior team members for career development
  • Westpac Group
    Product Manager Analytics, Home Ownership
    November 2017 - November 2019 (2 years)
    • Deliver actionable insights through strong facts and business context from different perspectives including portfolio runoff, composition, customer demographic and pricing differentiation
    • Financial modelling to forecast runoff with seasonality model to support portfolio growth
    • Deep dive into $440bn mortgage portfolio to identify new lending and retention opportunities via analytics capabilities and present to senior stakeholders
    • Lead data process improvement to drive robust data asset build for better decision making

Recommendations

Be the first to recommend Christine

Help this freelancer shine by sharing your experience working together.

These freelancer profiles also match your criteria

AgathaA

Agatha Frydrych

Backend Java Software Engineer

4.7

(3)

2

BaptisteB

Baptiste Duhen

Fullstack developer

4.6

(4)

5

AmedA

Amed Hamou

Senior Lead Developer

4

(2)

7

AudreyA

Audrey Champion

Web developer

4.3

(3)

4

Education

  • CFA
    CFA
  • Certified Scrum Product Owner
    Certified Scrum Product Owner

Skill set

Categories