July 23, 2025
Nick
Carter
GM, Digital, and Retail Banking, with a focus on social enterprise.
Victoria
Brand statement
Career Journey
Career Story
Career Highlight
Career Goal
Experience
Experience 1
Experience 2
Experience 3
[ { "role": "GM Digital | Program Director Digital Transformation", "company": "Bendigo & Adelaide Bank", "endYear": "2024", "endMonth": "10", "location": "Melbourne", "startYear": "2022", "startMonth": "12", "description": "\tIntegration, and embedment of Up Bank into the broader BEN organisation, and demonstration of how a Fintech mindset, and culture can be leveraged across the enterprise.\n\tBuild & execute on an enterprise-wide digital strategy on the back of the acquisition of Up Bank in latter period of 2021. Mandate included, new operating model for enterprise, new integrated ways of working between, the traditional bank, and that of a Fintech, being Up Bank. \n\tExecution of digital banking roadmap for consumer customers, via creation of new BEN digital team, and squad/s.\n" }, { "role": "General Manager, Retail Bank | Program Director - Network Productivity", "company": "Bendigo & Adelaide Bank", "endYear": "2021", "endMonth": "12", "location": "Bendigo & Melbourne", "startYear": "2020", "startMonth": "4", "description": "Lead productivity transformation of Retail Banking.\tReduction in CTI from 45% to 36% over past 3-year period. Maintained YoY profit growth of 5% as baseline. \n\tExecution of Mobile Banking Strategy. Implementation of new sale force of 90 Bankers national and have now become our priority growth channel for mortgage origination\n" }, { "role": "GM, Retail Bank", "company": "Bendigo & Adelaide Bank", "endYear": "2021", "endMonth": "12", "location": "National network", "startYear": "2017", "startMonth": "4", "description": "\tLead and manage BEN’s Retail Bank, including national brand, and Community banking franchise. \n\tAccountabilities consisted of 1.5m+ customers, 3.5k+ employees, 150+ middle to senior level managers, and over 2k Community Bank directors, who all work in a network of over 500 branch, and agency sites across Australia.\n\tFinancial accountability of $24b balance sheet, and profit contribution of circa $450m annually.\n" }, { "role": "Head of General Insurance", "company": "Bendigo & Adelaide Bank", "endYear": "2017", "endMonth": "4", "location": "", "startYear": "2015", "startMonth": "2", "description": "Turnaround strategy for GI businesses with group. Established digital strategy and reshaped end to end business model." } ]
Career & Personal Growth
My career goal is...
I'm looking for a role that matches my experience in financial services, and fintech, but importantly my passion around social enterprise and helping communities/markets thrive. Ideally, a fractional role, CCO, COO, growth role for 3 days a week, which allows me to also focus on my leadership development business, which is a growing 'side hustle'.
My personal goal is...
Vision of Success
What success looks like to me..
In five years time, I want to be...
Pursuits
What I want to make or do...
I want to take on more...
Red Flags & Focus Areas
Stop me if I ever...
I want to take on less..
Contact Information
Phone
0407688537
Email
nicholasrcarter78@gmail.com
LinkedIn Profile
https://www.linkedin.com/in/nickcarteraus?lipi=urn%3Ali%3Apage%3Ad_flagship3_profile_view_base_contact_details%3BoA0HVTU2Q%2Fa3r%2BDcOthniw%3D%3D
Work Preference
Prefered Working Location
Work Preference
WIP
Expertise & Skills
Primary Expertise
Executive Leadership
Secondary Expertise
Project - Program - Product Delivery
Seniority Level
20 - 25 years
Key Skill
Accountability,Boards,Critical thinking,Customer service,Effective presentation,Emotional Intelligence,Financial management,Innovation,Management consulting,Product development,Program management,Storytelling,Strategic planning
Impact
What type of impact are you interested in making?
Impact By Numbers
Flair
Beyond the Bio
Fun fact 1
Fun fact 2
Fun fact 3
Learning