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Product &
Venture
Builder.

From strategic ambiguity to differentiated brands through products customers love.

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15 years. Six iconic organisations.

Every organisation I’ve joined has been at an inflection point. A competitive threat, a market shift, a strategic ambition with no clear path to execution. My role is consistent across all of them. Make sense of the ambiguity, set the vision, build the team and operating model, and take something from idea to market at a speed the core business can’t move at and with the conviction of a startup.

The sector changes every time. The challenge doesn’t. Large organisations with real governance, legacy constraints and slow capital cycles, trying to build something genuinely new.

Medibank
2023 — Present
Medibank
New Ventures + AI Product Lead
Medibank · 2023–Present
Built Medibank Corporate Health team, capability, vision and strategy, from idea to scale — opening a new revenue line and customer segment. Defined the enterprise AI product strategy for four million members.
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Bank of Queensland
2018 — 2023
Bank of Queensland
Head of Product Innovation Lab
Bank of Queensland · 2018–2023
Built the Innovation function from the ground up — rapid pilots into scaled products. Enabled FinTech capability and Virgin Money’s transition to a neobank.
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Optus
2015 — 2018
Optus
Associate Director, Innovation
Optus · 2015–2018
Led the Innovation Lab and the creation of Donate Your Data — a brand-defining product connecting 50,000 disadvantaged students to the internet.
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CommBank
2014 — 2015
CommBank
Digital Lead, Experimentation
CommBank · 2014–2015
Digitised the bank’s highest-revenue product and built its experimentation capability — scaling to 200+ practitioners. Winner, Retail Banking Best of the Best 2015.
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Sydney Opera House
2012 — 2014
Sydney Opera House
Senior Digital Innovation
Sydney Opera House · 2012–2014
Built the digital innovation function from scratch — launching Own Our House and Australia’s first live-streamed concerts in partnership with Google.
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World Vision
2010 — 2012
World Vision
Digital Product & Innovation
World Vision · 2010–2012
Designed and launched Project Partners — a digital giving platform that hit 100% of fundraising targets within 90 days and set a new benchmark for donor engagement.
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15+
Years leading and building corporate innovation
3
Innovation and venture functions built from the ground up
$30M+
Social value created
World-first products built

Operating model

How I build.

Fifteen years of building ventures and product capability inside large organisations has taught me that the principles don’t change. What changes is everything around them — the tools, the pace, the expectations. What I bring is the ability to establish and lead the organisational capability that lets an enterprise move at speed.

Outcomes over output
Teams accountable for solving real problems, not shipping features on a roadmap.
Continuous discovery
Customer insight flows into the team weekly. Decisions are grounded in evidence, not assumption.
Empowered squads
Small, cross-functional teams with genuine ownership — not feature factories running a delivery queue.
Validate before you build
Test assumptions early. Kill things confidently. Preserve capital and credibility for what actually works.
AI in the room; Human-at-the-helm
AI is now embedded in discovery, delivery, and decision-making. The operating model has changed permanently.
Ask Nick AI

Ask about ventures, product, AI, or how I work.

AI responses reflect Nick’s thinking but are generated by Claude. For direct conversation, connect on LinkedIn.

The Deep Dive · 25 minutes

The playbook is being rewritten.

AI has collapsed the product delivery cycle. The discovery model hasn’t caught up yet. This episode explores what a genuinely AI-native operating model looks like in practice.

Case Studies

06 projects

Learning by doing

Experiments

01
Live
Podcast · Content · AI
The Deep Dive

Started with a strategic paper on AI product operating models. Used Claude to generate a full transcript, then Google NotebookLM to transform it into a reflective audio case study. Paper to published podcast — no studio required.

Claude AINotebookLMPodcast
Listen on Spotify →
02
Active
Tool · AI · Education
NAPLAN Buddy

My daughter was preparing for her first NAPLAN test using outdated papers so I trained and built a Duolingo-style AI learning app — gamified, bite-sized practice for Year 3 kids. Built using Lovable and Claude AI.

LovableClaude AIEducation
Try it →
03
Active
Tool · Governance · AI
Cyber Ledger

Learning that only ~20% of NFPs have completed a cybersecurity assessment but ~12%+ last year alone reported an incident I built a free AI risk assessment to democratise access. Built using Lovable and Claude AI.

LovableClaude AIGovernance
View project →
04
Live
Agent · AI · Executive Tools
Executive Meeting Intelligence

C-suite executives spend hours preparing for high-stakes meetings. This agent synthesises everything it knows about the person and their organisation, filters it through your specific agenda, and delivers a one-page brief you can download and walk in with.

Claude AIKnowledge SynthesisVercel
Try the agent →

At Optus, at BOQ, at Medibank — the brief has always been some version of the same thing: build something that doesn’t exist yet, make it commercially viable, and do it faster than the structure would normally allow. The work looks different each time. The approach doesn’t.

At Optus, under my leadership the team built Donate Your Data — repositioning the brand away from competing on price entirely by creating community value at a scale competitors couldn’t replicate — and Call Translate, the world’s first AI-powered real-time voice translation service, built in partnership with Google Cloud.

At BOQ I built the Innovation function from the ground up — designing the venture pipeline, running structured business experiments with live customers, and scaling validated opportunities into the core business each year, supported by board-level investment cases. At Medibank I established a greenfield corporate health and wellbeing venture from exploration through to market launch, opening an entirely new revenue line and customer segment — and defined the enterprise AI strategy to help four million members navigate a genuinely complex health system.

I work best in ambiguous, zero-to-one spaces — where the opportunity isn’t fully defined yet and someone needs to think strategically, build the case, and make it real. I bring long-term vision, commercial rigour, and the hands-on leadership to see it through.

Advanced AI Product Leadership · Maven2025
Angel Investment Program · Airtree Ventures2023
Advanced Product Leadership · Reforge2023
Oxford FinTech Program · University of Oxford2020–21
Leading Innovation · Stanford University2018
BA Hons Business & Marketing · University of Lancashire1st Class
Nick Malham