Goran Spinderk - Head of Planning, Pricing and Performance, Pepper Money

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Work Background

Pepper Money ANZHead of Planning, Pricing and Performance

Oct. 2023Sydney, New South Wales, Australia · Hybrid

BFTCo-Owner

Mar. 2021Auckland, New Zealand · HybridFounded in 2017 in Melbourne, Australia by fitness industry veteran Cameron Falloon, BFT offers a community-based 50-minute functional training and strength-based program across 13 workouts. BFT uses science and technology-based training techniques to drive individual member health goals in an inclusive, coach-led group environment. By combining cardio with resistance programs, members benefit from training a different energy system and different muscle types every day to diversify movement patterns that aim to reduce fat and create lean muscle. Members get the very best, most effective workout by learning how to fully utilise the best-in-class equipment BFT offers. My duties include, but aren't limited to: • Overseeing the performance of the branch manager whose daily tasks include looking after the operations of the gym, scheduling staff, managing inventory, and ensuring equipment is properly maintained • Developing and implementing marketing and promotional strategies to attract new members and retain existing ones • Managing finances, including budgeting, bookkeeping, and financial reporting • Collaborating with other BFT locations to share best practices and drive overall company success • Developing and delivering training programs for staff to ensure high-quality coaching and instruction for members • Developing and implementing programs and events to engage members and foster a sense of community • Building relationships with local businesses and organisations to promote the gym and drive member recruitment • Maintaining strong relationships with vendors and suppliers to ensure timely and cost-effective procurement of equipment and supplies • Analysing data and key performance indicators to inform strategic decision-making and improve overall gym performance

Heartland Bank LTDHead of Group Financial Planning, Performance & Analysis

Jan. 2020 - Oct. 2023Auckland, New Zealand · On-siteLeading & coaching a team of 5, coordinating month-end delivery across finance, and driving performance analysis & financial reporting processes, monthly reporting to the Executive Team, and preparing Board presentations to facilitate strategic discussions. Other Duties: • Owning the end-to-end financial planning, budgeting, and forecasting process, including coordinating the development and maintenance of financial models • Leading investor and external results reporting activities in collaboration with Communications & External Reporting teams, including preparation of results announcements, annual reports, disclosures in financial statements, and reporting requirements for dual-listed (ASX and NZX) public companies • Facilitating financial performance reporting and management for projects, including investment planning, supporting the preparation of business cases • Supporting strategic reviews/delivery of strategic initiatives to drive organisational growth • Supporting acquisitions & post-acquisition integration work for newly acquired businesses Achievements: • Developed new business performance management framework, including an overhaul of performance reporting and roll out of finance business partnering model based on collaboration • Implemented project cost/investment management framework (enhanced project cost capitalisation process, project cost reporting and analysis, and project benefits tracking) • Delivered an overhauled, more robust month-end close process • Implemented new planning, budgeting, and forecasting process • Revamped investor reporting and results announcement processes • Supported capital/debt raising, investor roadshows, and M&A activities • Worked with Treasury to deliver a comprehensive review of Treasury result and hedging processes, and supported development of a new hedging strategy • Supported the development of an enhanced product pricing process & framework to enable proactive product pricing & portfolio margin management

Bank of New ZealandSenior Finance Partner, Corporate & Institutional Banking and Private, Wealth and Insurance

Jul. 2019 - Jan. 2020Auckland, New Zealand · On-siteManaging and leading a team of 3 Senior Analysts & Analysts, providing guidance, support, and direction to ensure delivery of high-quality financial analysis and reporting, and effective business partnering with stakeholders. Development and delivery of accurate management reporting on the performance of the business units against plan and forecast, and close collaboration with other Finance Partners to align reporting & planning. Other Duties: • Generation of accurate short and long-term financial forecasts for business units • Leading business case process, providing advice and guidance and validating assumptions; and having regard for the wider financial implications, risks, and enterprise impacts • Working with members of the relevant business unit to provide specific insights and assistance in achieving the financial goals of their individual teams, including education on financial principles • Providing financial leadership and strategic advice to senior stakeholders, and developing and maintaining relationships with internal & external stakeholders, including customers, regulators, and industry bodies • Analysing financial data to identify trends and opportunities for improvement • Leading financial planning and budgeting processes across the organisation • Monitoring and reporting on financial performance, highlighting areas of risk or opportunity • Developing and implementing financial policies & procedures to ensure regulatory compliance • Identifying opportunities for process improvements and driving efficiencies within the finance function • Participating in cross-functional projects and initiatives to support the broader goals of the organisation Achievements • Spearheaded the development of a new product reporting capability, enabling the bank to gain greater insights into product performance and drive informed decision-making

Bank of New ZealandSenior Manager - Strategic Performance

Sep. 2018 - Jul. 2019Auckland, New Zealand · On-site• Developing a framework to measure and track the bank's strategic performance and objectives • Collaborating with business units to ensure alignment between strategy and performance metrics • Establishing a performance governance framework, including setting up regular performance reviews with senior management and the board of directors • Leading & managing cross-functional teams to execute strategic initiatives and drive performance improvement • Identifying opportunities for growth and new business initiatives, conducting feasibility analysis and business cases, and presenting findings to senior management and the board of directors • Building & managing a portfolio of strategic initiatives, ensuring alignment with the bank's strategy and priorities • Managing the financial performance of the bank, including budgeting, forecasting, and monitoring actual results • Developing & presenting financial reports + analysis to senior management and the Board of Directors • Identifying and managing strategic risks that could impact the bank's performance • Developing and implementing risk management frameworks and processes to mitigate strategic risks • Collaborating with Risk team to ensure alignment between strategic risk management/operational risk management • Identifying opportunities for process improvements and driving efficiencies within the strategic performance function Achievements • Delivered refreshed strategic plan to the Board and Executive Team reflecting updated portfolio performance outlook recalibrated for newly imposed capital requirements

Bank of New ZealandCorporate Strategy Manager

Apr. 2017 - Feb. 2018Auckland, New ZealandDuring this secondment, I was collaborating with senior management and business units to develop and implement the bank's corporate strategy. I was conducting research & analysis to identify trends/opportunities, and inform the bank's strategic direction. My duties included: • Developing business cases & proposals to support strategic initiatives, and presenting findings to senior management and the board of directors • Developing and managing the annual strategic planning process, ensuring alignment with corporate strategy • Identifying & managing strategic initiatives; setting priorities, developing project plans, and monitoring progress • Working with business units to ensure effective implementation of the bank's strategic initiatives • Researching the banking industry/competitors (market trends, customer needs, and emerging technologies) • Mentoring and managing 1 Analyst, providing guidance, support, and direction • Managing relationships with stakeholders (senior management, board of directors, regulators, and industry bodies) • Representing the bank at industry events and conferences, sharing insights and best practices with peers • Acting as a point of contact for strategy-related queries from stakeholders • Conducting scenario planning exercises to assess likely risks & opportunities, and developing mitigation strategies • Identifying and managing strategic risks that could impact the bank's performance, and developing risk management frameworks and processes to mitigate them • Identifying opportunities for process improvements and driving efficiencies within the corporate strategy function Achievements • Successfully led the delivery of a refreshed wealth strategy that included a redesigned business model and organisational structure. This involved a thorough analysis of the value chain and identification of potential cost savings and benefits through the implementation of the new business model

Bank of New ZealandFinance Partner

Jan. 2016 - Sep. 2018Auckland, New Zealand · On-siteAs a Finance Partner I was developing and delivering accurate management reporting on the performance of the business units against plan and forecast. I had close collaboration with other Finance Partners to align reporting & planning, and generated accurate short and long-term financial forecasts for the business units. Other Duties Included: • Leading business case processes, providing advice and guidance and validating assumptions; and having regard for the wider financial implications, risks, and enterprise impacts • Working with members of the relevant business unit to provide specific insights and assistance in achieving the financial goals of their individual teams, including education on financial principles • Challenging stakeholders when needed on the performance and management of their business units • Ensuring compliance with relevant legislation, regulations, and policies that relate to financial services • Ensuring business practices are in line with legal & regulatory requirements and identifying areas where compliance may be at risk. Identifying potential causes of risk or loss and taking appropriate action to minimise them, such as implementing new processes or procedures to reduce risk • Implementing appropriate controls to manage risks, including developing risk management frameworks and policies. • Monitoring & reporting on risks to senior management, including emerging risks that may impact operations Achievements • Acted as a Business Lead on a financial instrument valuation project, tasked with coordinating project work plan and resources, including external experts and consultants, to ensure timely delivery of the new valuation model • Acted as a Business Lead and Project Manager on hedge accounting transformation project: tasked with managing development of new hedging strategy and delivery of new hedge accounting software

EYAssistant Manager, Assurance

Jun. 2015 - Jan. 2016Wellington & Wairarapa, New Zealand · On-siteEY is a multinational professional services firm that provides assurance, tax, transaction, and advisory services in over 150 countries. Their services are divided into four main categories: assurance, tax, transaction, and advisory. I was leading engagements across NZ and working with engagement teams to plan & execute financial statement audits and assurance engagements for clients across various industries and sectors. I managed a team of 3 – 10 team members depending on the engagement. My other duties included: • Developing an understanding of client businesses, risks, and operations to identify likely issues & assess audit risks • Reviewing and analysing financial statements, accounting records, and other audit evidence to identify material misstatements, errors, and control weaknesses • Preparing & reviewing audit documentation/reports, ensuring compliance with professional standards & regulations • Coaching, mentoring, and managing junior team members, providing feedback, guidance, and training as needed to ensure high-quality work and professional development • Communicating with clients and senior team members, addressing issues, and providing insights/recommendations to help clients improve their financial reporting processes and controls • Staying abreast of accounting/auditing standards, regulations, and trends, and applying this to audit engagements • Assisting with proposal development and business development activities, identifying opportunities to grow EY's assurance practice and build relationships with clients • Working with EY teams/service lines (tax, advisory, and transactions), to provide integrated solutions and services

EYAssistant Manager, Banking, Capital Markets & Wealth

Jan. 2014 - Jun. 2015Sydney, Australia · On-siteWithin this role I was leading various engagements for primarily Sydney-based clients, supporting client engagements, working closely with senior team members to plan and execute projects, and delivering high-quality work on time and within budget. I was also completing the transition of a large engagement in the funds management industry from being delivered entirely onshore to being predominantly completed offshore. My other duties included: • Providing training and upskilling of offshore staff to ensure seamless delivery of the engagement. This resulted in significant improvement in engagement performance metrics and ensured client satisfaction • Building and maintaining relationships with clients, identifying opportunities to grow EY's business, and contributing to the development of proposals and business development strategies • Conducting research and analysis to support the development of client solutions, and staying up to date with industry trends, regulations, and emerging technologies • Contributing to the development of intellectual property, thought leadership, and other knowledge assets to support EY's growth and reputation in the market • Providing coaching, mentoring, and guidance to junior staff, supporting their development and career progression • Managing project budgets, timelines, and resources, and monitoring progress against milestones and deliverables • Ensuring compliance with quality & risk management policies, and identifying and mitigating potential risks • Participating in training and development activities to enhance technical skills and knowledge of industry trends

EYSenior Accountant, Assurance

Jul. 2012 - Jan. 2014Zagreb, Croatia• Leading and managing audit engagements for clients across various industries • Supervising and mentoring junior team members and providing guidance on complex accounting and auditing issues • Reviewing financial statements and ensuring compliance with relevant accounting standards and regulations • Conducting risk assessments and identifying areas for improvement in clients' accounting and internal control systems • Building and maintaining strong relationships with clients and identifying opportunities for business growth and development • Preparing reports and presentations for senior management and clients, including audit findings and recommendations for improvements • Keeping up to date with relevant accounting standards and regulations and applying them to audit engagements • Participating in various internal and external training and professional development programs to enhance knowledge and skills in the field • Collaborating with other EY professionals across different service lines and geographies to deliver comprehensive solutions to clients • Contributing to the development of EY's audit methodology and supporting the implementation of new audit tools and technologies

EYAccountant, Assurance

Jul. 2011 - Jul. 2012Zagreb, Croatia · On-siteThis role saw me participating in the planning and execution of audit engagements for clients across various industries, and conducting tests of controls and substantive procedures to ensure the accuracy and completeness of clients' financial statements. My other duties included: • Identifying and documenting audit findings and issues, and communicating them to senior team members • Preparing and reviewing workpapers and supporting documents to ensure compliance with relevant accounting standards and regulations • Contributing to the development of audit plans, budgets, and timelines, and monitoring progress against them • Maintaining strong relationships with clients and responding to their queries and concerns in a timely and professional manner • Staying up to date with relevant accounting standards and regulations and applying them to audit engagements • Participating in various internal and external training and professional development programs to enhance knowledge and skills in the field • Collaborating with other EY professionals across different service lines and geographies to deliver comprehensive solutions to clients • Assisting in the preparation of audit reports and other deliverables, and presenting findings and recommendations to clients • Supporting the implementation of new audit tools and technologies, and contributing to the continuous improvement of EY's audit methodology.

VIPnet d.o.o.Finance Assistant

May. 2008 - Jun. 2010Zagreb, Croatia · On-siteVIPnet d.o.o. is a Croatian telecommunications company founded in 1998. The company provides a wide range of telecommunications services to both residential and business customers, including mobile, fixed-line, and broadband internet services. VIPnet is a subsidiary of Telekom Austria Group, which is one of the largest telecommunications companies in Europe. VIPnet has invested heavily in developing its own infrastructure, including a nationwide fiber-optic network and a 4G/LTE mobile network, which has positioned it as a leading player in the Croatian telecommunications market. The company has also been recognized for its innovative services and customer focus, having won numerous awards in the industry. My duties included: • Assisting with day-to-day financial transactions, such as accounts payable and receivable, invoice processing, and expense reporting • Preparing and maintaining financial records, including general ledger entries and bank reconciliations • Assisting with the preparation of monthly and annual financial statements, including balance sheets, income statements, and cash flow statements • Conducting financial analysis and reporting to support decision-making by senior finance team members • Supporting budgeting and forecasting processes by preparing financial models and analysing variances • Assisting with the implementation of internal controls and financial policies and procedures to ensure compliance with accounting standards and regulations • Collaborating with other departments and stakeholders to provide financial information and analysis to support business operations • Maintaining accurate and up-to-date financial data and records in accounting software and other systems • Assisting with the preparation of audit schedules and responding to audit inquiries as needed • Contributing to the development and implementation of process improvements to enhance efficiency and effectiveness of finance operations.

EYAudit Intern, Assurance

May. 2007 - Apr. 2011Zagreb, Croatia · On-siteAs an Audit Intern (Assurance) at Ernst & Young in Croatia, I have had the opportunity to work on audit engagements for clients across various industries. My duties include conducting tests of controls and substantive procedures, preparing workpapers and supporting documents, and contributing to the development of audit plans and budgets. Through this experience, I have learned and applied EY's audit methodology and software tools, as well as kept up-to-date with relevant accounting standards and regulations. I have also had the opportunity to collaborate with other EY professionals across different service lines and geographies, and participate in various internal and external training and professional development programs. This internship provided me with valuable experience and knowledge in the field of audit and assurance, and I look forward to applying these skills in my future career.

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