Benoit Garnaud, MAICD
Global Head of Consumer at Prezzee- Claim this Profile
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Bio
Mel Vlasich (Radford)
I worked with Benoit through his transition from GM, Cards to Head of Product. As my programme business owner, Benoit set the vision and direction well. He worked beside me, rather than hierarchically and motivated everyone in the programme to strive for excellence and rapid development. He was always available to lend a helping hand, or talk through new ideas/concepts and I felt fully supported to do what I needed to do. His passion for Customers and delivering great products was motivational and exciting.
Soleil Hefferen
When I first met Benoit it was immediately apparent that he was smart cookie. I was lucky to start working quite closely with him when he became my project sponsor whilst Head of Product at Flexigroup. Benoit was everything I needed in a sponsor; he was always available when needed, he listened to his team and valued their input, he gave good guidance and took decisive action. On a personal level Benoit has a great sense of humour, fun to work with, empathetic and respectful. Benoit would be an asset to any organisations leadership team. And I think the best endorsement I can give is that I would jump at the opportunity to work with Benoit again.
Mel Vlasich (Radford)
I worked with Benoit through his transition from GM, Cards to Head of Product. As my programme business owner, Benoit set the vision and direction well. He worked beside me, rather than hierarchically and motivated everyone in the programme to strive for excellence and rapid development. He was always available to lend a helping hand, or talk through new ideas/concepts and I felt fully supported to do what I needed to do. His passion for Customers and delivering great products was motivational and exciting.
Soleil Hefferen
When I first met Benoit it was immediately apparent that he was smart cookie. I was lucky to start working quite closely with him when he became my project sponsor whilst Head of Product at Flexigroup. Benoit was everything I needed in a sponsor; he was always available when needed, he listened to his team and valued their input, he gave good guidance and took decisive action. On a personal level Benoit has a great sense of humour, fun to work with, empathetic and respectful. Benoit would be an asset to any organisations leadership team. And I think the best endorsement I can give is that I would jump at the opportunity to work with Benoit again.
Mel Vlasich (Radford)
I worked with Benoit through his transition from GM, Cards to Head of Product. As my programme business owner, Benoit set the vision and direction well. He worked beside me, rather than hierarchically and motivated everyone in the programme to strive for excellence and rapid development. He was always available to lend a helping hand, or talk through new ideas/concepts and I felt fully supported to do what I needed to do. His passion for Customers and delivering great products was motivational and exciting.
Soleil Hefferen
When I first met Benoit it was immediately apparent that he was smart cookie. I was lucky to start working quite closely with him when he became my project sponsor whilst Head of Product at Flexigroup. Benoit was everything I needed in a sponsor; he was always available when needed, he listened to his team and valued their input, he gave good guidance and took decisive action. On a personal level Benoit has a great sense of humour, fun to work with, empathetic and respectful. Benoit would be an asset to any organisations leadership team. And I think the best endorsement I can give is that I would jump at the opportunity to work with Benoit again.
Mel Vlasich (Radford)
I worked with Benoit through his transition from GM, Cards to Head of Product. As my programme business owner, Benoit set the vision and direction well. He worked beside me, rather than hierarchically and motivated everyone in the programme to strive for excellence and rapid development. He was always available to lend a helping hand, or talk through new ideas/concepts and I felt fully supported to do what I needed to do. His passion for Customers and delivering great products was motivational and exciting.
Soleil Hefferen
When I first met Benoit it was immediately apparent that he was smart cookie. I was lucky to start working quite closely with him when he became my project sponsor whilst Head of Product at Flexigroup. Benoit was everything I needed in a sponsor; he was always available when needed, he listened to his team and valued their input, he gave good guidance and took decisive action. On a personal level Benoit has a great sense of humour, fun to work with, empathetic and respectful. Benoit would be an asset to any organisations leadership team. And I think the best endorsement I can give is that I would jump at the opportunity to work with Benoit again.
Experience
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Prezzee
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Australia
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Financial Services
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100 - 200 Employee
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Global Head of Consumer
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Jan 2023 - Present
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Chief Product Officer
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Apr 2021 - Dec 2022
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humm group
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Australia
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Financial Services
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300 - 400 Employee
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Chief Product Officer
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Aug 2019 - Nov 2020
Humm Group was formerly known as FlexigroupResponsible for developing and executing a data and customer-led product strategy designed to drive profitable sustainable growth:- Products: Credit Cards, Point of Sales Finance (online and in-store), Buy Now Pay Later (BNPL) and Leasing across Australia and New Zealand- Managed the P&L and drove profitable growth and margin improvement - Developed and implemented a product line strategy based on customer insights to create compelling and innovative value propositions to meet their needs and provide flexigroup with a competitive advantage and deliver on its business transformation- Led the Product tribes working with the design and engineering teams to drive an efficient and customer-led delivery of the product roadmaps- Developed and implemented data-driven lifecycle strategies to drive customer spend and lend and improve the overall profitability of the portfolios whilst mitigating losses- Developed and implemented CX strategy to drive a cultural shift towards customer obsession and design unrivaled customer experiences for both retailers and consumers to drive advocacy- Responsible for developing effective pricing and acquisition strategies to be competitive whilst managing risks and profitability- Responsible for providing product oversight and ensuring compliance with varied regulations- Built and led a diverse high-performing team Show less
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GM, Consumer Finance
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Feb 2019 - Jul 2019
Formerly known as Flexigroup
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Citi
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Mexico
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IT Services and IT Consulting
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100 - 200 Employee
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Head of Citi Branded Cards & Rewards
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Jan 2018 - Jan 2019
Responsible for developing a product line strategy designed to drive profitable sustainable growth:- Managed Citi-Branded P&L and drove profitable growth and margin improvement (largest portfolio for Citi Asia in number of customers, receivables and revenue)- Developed and implemented a product line strategy based on customer insights to create compelling value propositions to meet customer needs and provide Citi with a competitive advantage - Developed and implemented data-driven lifecycle strategies to drive customer spend and lend and improve the overall profitability of the portfolio whilst mitigating losses- Managed Citi Rewards program across all brands to drive increased profitability whilst delivering value to customers- Managed acquisition strategy to deliver effective and profitable acquisition of new customers- Designed best-in class customer experiences to drive advocacy (NPS) - Responsible for providing product oversight and ensuring compliance with varied regulations Show less
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Head of Segments, Portfolio & Sales Enablement | Retail Bank
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Jul 2015 - Dec 2017
Responsible for driving client-led growth and improved profitability of Citi’s Wealth Management business:- Segments: Citigold (clients with $250K+ AUM invested with Citi); Citi Priority (clients with $75-250K AUM invested with Citi) and Citibanking (clients with <$75K AUM invested with Citi)- Products: Deposits, Mortgages, Insurance, Investments and Advice- Developed and implemented Wealth Management strategy across High Net Worth, Affluent and Emerging Affluent segments - Managed segments P&L and drove profitable and sustainable growth- Created compelling value propositions for each segment to meet customer needs and provide Citi with a competitive advantage - Managed all product and sales marketing for the Retail Bank including all portfolio campaigns- Designed best in class customer experiences to drive advocacy (NPS) Show less
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Head of Marketing | Retail Bank
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Jan 2014 - Jun 2015
Responsible for the development and implementation of marketing strategies throughout the customer lifecycle:- Products: Deposits, Mortgages, Insurance, Investments and Advice- Profitable acquisition of new customers through multi-channel management: digital, mobile, phone, DRTV, direct sales and branches- Portfolio profitability management through targeted engagement campaigns from on-boarding to retention - Customer experience management to drive advocacy (NPS)
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Head of Acquisition Marketing | Consumer Lending
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Mar 2012 - Dec 2013
Responsible for growing Citi share of personal loans and balances:- Products: Revolving line of credit, Personal Loans- Acquisition & partnership strategy for Australia- Multi-channel management: digital, mobile, DM, outbound/inbound TM, DRTV, Direct Sales, branches, brokers and partners
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American Express
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United States
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Financial Services
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700 & Above Employee
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Manager, New Product Development | Consumer Cards
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Jul 2010 - Feb 2012
Responsible for growing Amex share of accounts and billings:- Market and customer research to identify growth opportunities- Developed and implemented product strategy aligned with target segment- Created compelling and differentiated value propositions to meet customers’ needs- Developed and launched new products - Managed Cards P&L and drove profitable and sustainable growth
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Senior Marketing Manager, Acquisition | Insurance (A/NZ)
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Jun 2008 - Jun 2010
Responsible for driving sales of insurance products:- Products: Life, Income Protection, Credit Card Insurance, Travel and General Insurance- Acquisition strategy for Australia and New Zealand - Multi-channel management: Digital, DM, outbound and inbound telemarketing- Compliance: Nominated ASIC ‘Responsible Manager’ for AFS Licence
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Marketing Manager, Acquisition | Insurance (A/NZ)
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Apr 2006 - May 2008
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Assistant Marketing Manager, Acquisition | Insurance (A/NZ)
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Jul 2005 - Mar 2006
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Marketing Executive | Insurance
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Mar 2004 - Jun 2005
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Marketing Executive | Insurance
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Jul 2001 - Feb 2004
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Assistant Client Manager | Global Merchant Services
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Jul 2000 - Jun 2001
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Education
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2022 - 2022
Australian Institute of Company Directors
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1999 - 2001
Institut d'Etudes politiques de Paris
Master's degree, Economic science, Marketing, Finance -
1995 - 1999
Institut Catholique d'Etudes Superieures
Bachelor's degree, Business Law
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