Nikolas Baric
Payments & Transaction Banking | Sales Growth, Product Commercialisation & GTM
Experienced in commercial banking, I’ve had the privilege of working with a diverse range of customers—from small, owner-operated businesses to large publicly listed institutions.
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With deep expertise in transaction banking, particularly in payment acceptance, payables, and receivables, I have developed a strong understanding of how to create differentiated value for customers. I’m passionate about designing and executing strategies that drive market share growth of financial products, simplifying complex concepts into clear, actionable insights, and delivering ambitious projects on accelerated timelines. At my core, I enjoy solving problems and connecting customers with the right solutions that enhance their financial wellbeing. Known for my reliability and ability to tackle challenges head-on, I thrive on learning and pushing myself in new environments. I am deeply committed to leading and contributing to team cultures built on authenticity, accountability, and trust, unified by a strong sense of shared purpose. I believe in fostering an atmosphere of camaraderie, balancing fun with a drive for excellence. Specialties: Sales, Go-to-Market Strategy, Product Marketing, Sales Enablement, Organisational Design and Transformation, Product Launches, Customer Experience
GTM Index
- COMMONWEALTH BANKJOB
- Chapter Lead Onboarding (P…8M
Chapter Lead Onboarding (Product) & GTM, Payments
Commonwealth Bank
Lead product management for onboarding platforms and go-to-market across CommBank’s domestic payments portfolio, spanning NPP, value-added capabilities (e.g. NameCheck), direct debit/credit and BPAY. Accountable for revenue growth and client adoption across institutional, commercial and small business segments. Own the onboarding ecosystem, partnering with engineering to build a scalable API platform that reduces integration effort and accelerates time to value and activation. Drive digital uplift across the CommBank App and internet banking to improve product discovery and uptake. Lead product marketing and sales enablement for 100+ transaction bankers, and complex client engagements, tran…
- Senior Mgr, Payments Product1Y 5M
Senior Manager, Payments Product
Commonwealth Bank
Spearheading the launch, go-to-market execution, and scale-up of a next-generation Payments as a Service platform for institutional, corporate, and government clients. The platform enables API-based access to the New Payments Platform (NPP), including PayTo, Fast Payments, and advanced security features like NameCheck. I own the end-to-end sales and onboarding experience, driving scalable and repeatable growth through a national team of 100+ transaction bankers. My remit spans sales and marketing strategy, distribution design, value proposition and messaging, sales enablement, and pipeline reporting. I led the platform’s initial institutional and corporate sales and continue to lead strateg…
- Senior Mgr, GTM & PMM2Y 7M
Senior Manager, GTM & Product Marketing
Commonwealth Bank
I led a team of 5 responsible for driving growth in CBA’s merchant acquiring business. We launched three major products enabling payment acceptance online and in-person for businesses small and large. We were responsible for sales strategy, go-to-market strategy, product marketing, sales enablement and customer communications, informed by conducting sales analysis, customer and competitor research, and customer persona development. Our team built automated customer lifecycle marketing to improve acquisition, conversion, onboarding and retention. I led deep dives and analysis for senior leaders, and attended divisional sales and service meetings. This role required leadership of cross-functi…
- Mgr, Sales & Service Trans…9M
Manager, Sales & Service Transformation
Commonwealth Bank
In this role, I conducted research into the small business customer experience across inbound, outbound and digital channels, benchmarking against market and identifying opportunities for improvement. Consolidating my findings, I presented a business case to the leadership team and secured a commitment to design and undertake a transformation program. Leading a cross-functional project team, I led transformation and change across a 100 FTE contact centre, establishing a new sales team. This included creating job profiles, performance metrics, hiring staff, establishing new training programs, introducing appointment booking technology, digital webchat, and sales enablement tooling. We also u…
- Mgr, CX, Lifecycle Mktg &…5M
Manager, CX, Lifecycle Marketing & 1:1 Communications
Commonwealth Bank
I was responsible for undertaking internal/external research and analysing customer complaints to identify trends, themes and opportunities to grow sales, improve retention and Net Promoter Score (NPS). We established Next Best Conversations within the merchants and payments division - CommBank’s proprietary lifecycle marketing platform. This uses data-driven algorithms powered by custom built logic and/or propensity models to deliver proactive, personalised 1:1 communications within digital channels (mobile app, NetBank), via electronic/direct mail and recommends actions for relationship managers. I also led a website overhaul, improving online conversion by 33% and held responsibility for…
- Mgr, Payment Terminals Pri…4M
Manager, Payment Terminals Pricing Strategy & Projects
Commonwealth Bank
Accountable for pricing strategy development and project management of large cross-functional teams to deliver strategic pricing initiatives. I led a strategic review into the price elasticity of merchant acquiring products, comparing effects on pricing level versus pricing plan structure. I delivered a major pricing simplification project which delivered a 46% increase in EFTPOS terminal sales and first month-on-month decrease in customer complaints in 12 months. This role also held responsibility for leading technical teams to make changes to pricing and billing platforms, and ensuring that we remained compliant with the Payment Systems Act and Reserve Bank Regulations.
- Graduate1Y
Graduate
Commonwealth Bank
Graduate program rotations in product management, strategy, partnerships - launching and scaling fintech ventures, and in a corporate banking relationship portfolio.
- Job: Commonwealth Bank — Manager, Sales & Service Transformation · 2021-01 – 2021-10 — In this role, I conducted research into the small business customer experience across inbound, outbound and digital channels, benchmarking against market and identifying opportunities for improvement. Consolidating my findings, I presented a business case to the leadership team and secured a commitment to design and undertake a transformation program. Leading a cross-functional project team, I led transformation and change across a 100 FTE contact centre, establishing a new sales team. This included creating job profiles, performance metrics, hiring staff, establishing new training programs, introducing appointment booking technology, digital webchat, and sales enablement tooling. We also u…
- Job: Commonwealth Bank — Manager, CX, Lifecycle Marketing & 1:1 Communications · 2020-07 – 2020-12 — I was responsible for undertaking internal/external research and analysing customer complaints to identify trends, themes and opportunities to grow sales, improve retention and Net Promoter Score (NPS). We established Next Best Conversations within the merchants and payments division - CommBank’s proprietary lifecycle marketing platform. This uses data-driven algorithms powered by custom built logic and/or propensity models to deliver proactive, personalised 1:1 communications within digital channels (mobile app, NetBank), via electronic/direct mail and recommends actions for relationship managers. I also led a website overhaul, improving online conversion by 33% and held responsibility for…
- Job: Commonwealth Bank — Chapter Lead Onboarding (Product) & GTM, Payments · 2025-12 – present — Lead product management for onboarding platforms and go-to-market across CommBank’s domestic payments portfolio, spanning NPP, value-added capabilities (e.g. NameCheck), direct debit/credit and BPAY. Accountable for revenue growth and client adoption across institutional, commercial and small business segments. Own the onboarding ecosystem, partnering with engineering to build a scalable API platform that reduces integration effort and accelerates time to value and activation. Drive digital uplift across the CommBank App and internet banking to improve product discovery and uptake. Lead product marketing and sales enablement for 100+ transaction bankers, and complex client engagements, tran…
- Job: Commonwealth Bank — Senior Manager, Payments Product · 2024-07 – 2025-12 — Spearheading the launch, go-to-market execution, and scale-up of a next-generation Payments as a Service platform for institutional, corporate, and government clients. The platform enables API-based access to the New Payments Platform (NPP), including PayTo, Fast Payments, and advanced security features like NameCheck. I own the end-to-end sales and onboarding experience, driving scalable and repeatable growth through a national team of 100+ transaction bankers. My remit spans sales and marketing strategy, distribution design, value proposition and messaging, sales enablement, and pipeline reporting. I led the platform’s initial institutional and corporate sales and continue to lead strateg…
- Job: Commonwealth Bank — Manager, Payment Terminals Pricing Strategy & Projects · 2020-02 – 2020-06 — Accountable for pricing strategy development and project management of large cross-functional teams to deliver strategic pricing initiatives. I led a strategic review into the price elasticity of merchant acquiring products, comparing effects on pricing level versus pricing plan structure. I delivered a major pricing simplification project which delivered a 46% increase in EFTPOS terminal sales and first month-on-month decrease in customer complaints in 12 months. This role also held responsibility for leading technical teams to make changes to pricing and billing platforms, and ensuring that we remained compliant with the Payment Systems Act and Reserve Bank Regulations.
- Job: Commonwealth Bank — Senior Manager, GTM & Product Marketing · 2021-11 – 2024-06 — I led a team of 5 responsible for driving growth in CBA’s merchant acquiring business. We launched three major products enabling payment acceptance online and in-person for businesses small and large. We were responsible for sales strategy, go-to-market strategy, product marketing, sales enablement and customer communications, informed by conducting sales analysis, customer and competitor research, and customer persona development. Our team built automated customer lifecycle marketing to improve acquisition, conversion, onboarding and retention. I led deep dives and analysis for senior leaders, and attended divisional sales and service meetings. This role required leadership of cross-functi…
- Job: Commonwealth Bank — Graduate · 2019-01 – 2020-01 — Graduate program rotations in product management, strategy, partnerships - launching and scaling fintech ventures, and in a corporate banking relationship portfolio.
- School: University of Adelaide — Bachelor of Commerce (BCom), Corporate Finance
Skills
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