How to use professional networks for job hunting.

Stop Networking Like Everyone Else (The 95-5 Principle)

Most people treat networking like fitness. They lie on the sofa for three years eating chips and drinking beers, watching sport instead of playing it. Then they wake up one day, realize they've gained 20kg professionally, and can't climb the career stairs anymore.

Sound familiar?

You go three years without talking to anyone in your network. Then you panic. Coffee meetings everywhere. LinkedIn messages flying. Desperate energy everywhere.

Here's the problem: You wouldn't train for a marathon by doing nothing for three years, then running 100km the week before the race. Your network works the same way.

The 95-5 Principle

When I launched Tier One People 10 years ago, I had 5,000 contacts in my database. Most people would email all 5,000. Spray and pray.

I did something different.

I filtered that list down to 98 people using a specific method. That was my critical 5%.

Those 98 people generated over 95% of my business results in the first year.

Here's the truth: 95% of your results will come from 5% of your network.

Not 10%. Not 20%. Five percent.

How to Find Your Critical 5%

Break your network into three tiers:

Tier 1: Former bosses and colleagues who are now in hiring positions. People who know what it's like to work with you and can now make hiring decisions.

Tier 2: People with massive networks. Clients, law firm partners, investors, VCs, board members. People whose job is knowing other people.

Tier 3: Everyone else.

Your critical 5% is Tier 1 plus Tier 2. That's your focus.

The Message That Actually Works

Here's what everyone else writes:

"Hi X, how are you? Not sure if you heard but I was made redundant the other day. I'm on the market and I've attached my CV. Would love to catch up for a coffee, my shout."

See the problem? You're leading with your need. You're asking for too much. And you're valuing their time at the price of a flat white.

Here's what works:

"I'm thinking about a few possible career paths and as someone I highly rate and whose opinion I trust, I wondered if you had two minutes to chat. I know you won't sugarcoat things."

Two minutes. Not coffee. Not lunch. Not a job.

Two minutes is incredibly hard to say no to.

The Psychology That Makes It Work

When you ask people for two minutes, they ask you for coffee.

When you ask them for their honest opinion, they give it. I've never met a single person who didn't enjoy telling me what they really thought.

But here's where the magic happens:

As soon as someone says "I think you should do X," they feel responsible for helping you do it. And they follow up with "Let me introduce you to Y."

Now you get another meeting with an influential person who could hire you. And you arrive pre-endorsed.

This is the compound effect. One conversation generates 1-2 warm introductions. Those introductions generate more conversations. Those conversations generate opportunities.

When I sent my two-minute message to 98 people, I had 60 meetings confirmed within 3 days. That's a 61% response rate.

Not because I'm special. Because the message made it easy to say yes. And because I focused on my critical 5%.

The Trust Shortcut

Years ago, I watched a sales rep push past me at a networking event and try to force his business card on a CEO. She calmly put her hands behind her back and said:

"You don't need to give me that. What you need to do is get someone I know and trust to give it to me."

That taught me everything about networking.

Stop trying to build trust from scratch with cold emails and forced connections. That takes months or years.

Instead, leverage the relationships you already have. When your former boss introduces you to their colleague, you don't start at zero. You start at 50%. You borrow their trust, their credibility, their relationship capital.

That's why warm introductions are 10 times more powerful than cold outreach.

Start Today

Your critical 5% might be 10 people. It might be 50. It might be 200. The number doesn't matter.

What matters is this: Stop trying to network with everyone. Start identifying your critical 5%.

Better contacts beat more contacts every single time.


Listen to the full episode for the complete T1/T2/T3 framework, exact email templates, and the two-minute call structure that turns conversations into opportunities.

Download the Network Activation Worksheet with email templates, conversation scripts, and tracking tools.


Fintech Jobs: And How To Find Them.

Finding Your Next Role in Fintech - Episode 1

If you're struggling to land a job in fintech here in Australia, you're probably approaching it the wrong way.

Most people searching for fintech jobs treat the hiring process like they're applying for permission to work. They craft the perfect resume, polish their LinkedIn profile, and hope someone notices them among hundreds of other applicants. But here's the uncomfortable truth: in today's competitive fintech job market where candidates need an average of 294 applications to secure employment, being "qualified" isn't enough anymore.

It's time to stop looking for happiness and start solving problems.

The Career Balance Sheet Framework for Fintech Jobs

In Episode 1 of our new video series, Finding Your Next Role in Fintech, we introduce a framework that flips the traditional fintech job search on its head: the Career Balance Sheet.

Just like a company's balance sheet shows assets and liabilities, your Career Balance Sheet demonstrates the tangible value you've created throughout your career. But instead of listing job duties and responsibilities, you're documenting concrete problems you've solved and quantifying the value you've delivered.

This isn't about exaggeration or spin. It's about recognising that every role you've held, every project you've completed, and every challenge you've overcome has created measurable value for someone. Your job is to articulate it clearly.

Why This Changes Everything When Applying for roles in Fintech

When you position yourself as a problem-solver rather than just another applicant in the fintech jobs market, three things happen:

  1. You stand out immediately. While other candidates applying for fintech jobs are saying "I have 5 years of experience in payments," you're saying "I reduced payment processing failures by 40%, saving $1.2M annually."
  2. You speak the language of business. Fintech executives don't hire people for credentials, they hire solutions to their problems. When you demonstrate that you understand their challenges and have solved similar ones before, you're no longer competing on qualifications alone in the fintech job market.
  3. You build confidence. Searching for fintech jobs can be demoralising, especially when you're facing rejection after rejection. But when you take inventory of the real value you've created, you remember what you're capable of and that confidence shows up in every interview.

Real Examples of Career Balance Sheets for Fintech Roles

In the episode, we walk through four detailed examples across different fintech roles. These real-world scenarios show how professionals in various fintech jobs have documented their value:

The AI Implementation (Risk & Compliance)

The Regulatory Framework (Compliance Leadership)

The Strategic Sale (Business Development)

The Product Acceleration (Operations/Product)

Each example demonstrates a simple but powerful formula: Problem + Solution + Quantified Value = Your Competitive Advantage

Types of Fintech Jobs This Framework Works For

This Career Balance Sheet approach works across all fintech jobs, including:

No matter what type of fintech job you're pursuing, documenting your value creation is what sets you apart from other candidates.

Building Your Own Career Balance Sheet

Ready to document your value? We've created a free Career Balance Sheet worksheet to guide you through the process.

The worksheet helps you:

Download the Career Balance Sheet Worksheet (Free PDF)

Why This Matters for Fintech Jobs in 2025

In 2025, fintech jobs in Australia have become more competitive than ever. With sustained economic pressures and increased application volumes, standing out in the fintech job market requires more than just qualifications, it requires proof of how much value you create.

The candidates getting hired aren't necessarily the most experienced. They're the ones who can clearly articulate the problems they solve and the value they create. This approach gives you a competitive edge.

Understanding what fintech employers are really looking for (problem-solvers who can demonstrate measurable impact) is the key to landing your next fintech role.

Watch the Full Episode

This blog post only scratches the surface of what we cover in Episode 1. In the full video, we walk through:


About This Series

Finding Your Next Role in Fintech is a 5-part video series that applies business methodologies like first principles thinking, lean startup, design thinking, enterprise software sales frameworks and go-to-market strategies to your Fintech Job Search. Whether you're pursuing permanent roles or exploring fractional opportunities, this series will transform how you approach the fintech job market.

Coming Soon:


Looking for Fintech Jobs in Australia?

At Tier One People, we specialise in connecting exceptional fintech talent with financial technology companies across Australia and globally. Whether you're searching for fintech jobs in risk management, compliance, payments, lending, or business development, we understand what employers are looking for.

If you're ready to position yourself as a problem-solver rather than just another applicant in the fintech job market, we'd love to connect.

Explore Fintech Jobs | Subscribe to Our Newsletter


Dexter Cousins is Managing Director of Tier One People and host of the Fintech Chatter Podcast. With over 25 years in recruitment, he works at the intersection of AI and fintech, helping shape Australia's position in the global fintech ecosystem.


Frequently Asked Questions About Fintech Jobs

How hard is it to find a job in Fintech in Australia right now?
Fintech jobs in Australia are highly competitive in 2024-2025, with candidates needing an average of 37 applications to secure employment. The market has seen increased application volumes due to economic pressures, making it essential to differentiate yourself through proven value creation rather than just qualifications.

What skills do employers look for in fintech jobs?
Fintech employers prioritise problem-solving abilities and measurable business impact over credentials alone. They look for candidates who can demonstrate how they've created value through cost savings, revenue generation, risk mitigation, or process improvements in previous roles.

How can I stand out when applying for fintech jobs?
Use the Career Balance Sheet framework to document specific problems you've solved and quantify the value you've created. Instead of listing job duties, show concrete results like "reduced compliance processing time by 85%" or "generated $20M in new ARR."

Are there remote fintech jobs available in Australia?
Yes, many fintech companies across Australia now offer remote and hybrid fintech jobs, especially in technology, compliance, and business development roles. The Career Balance Sheet approach works equally well for remote fintech positions.

What types of fintech jobs are most in-demand?
Currently, high-demand fintech jobs in Australia include compliance and risk management specialists, AI/ML engineers, payments specialists, business development professionals, and product managers with fintech experience.

Fintech Job Market Advice With Claire Alexander

Dexter Cousins is joined by Claire Alexander, founder of Coach Claire. She's here to share her secrets on how to navigate the fintech job market. 

About Claire Alexander

Claire is a Global HR and Tech Talent Executive, Career Coach and ex-Employment Lawyer. She's also the founder of Thinktechstartup, an HR advisory business supporting tech startups turning into tech scaleups. Claire was previously Global Head of talent for Fintech unicorn Zip.

A Break Down of the current Fintech Job Market

Claire shares her top tips on how to stand out in the job hunt, from engaging with potential employers online to the power of networking. We'll also be breaking down the pros and cons of LinkedIn's 'Open to Work' badges, the role of recruiters, and the art of approaching companies strategically. 

But that's not all. We're also addressing the tricky path of job applications and interviews. How do you follow-up without annoying recruiters? How do you handle rejection? And, most importantly, how do you determine your worth when evaluating a job offer? 

With Claire's expert advice, we discuss how understanding your motivations for wanting a job can aid in salary negotiation. This episode is an absolute treasure trove of practical, actionable advice – don't miss out!

100: Brett King Rise of Technosocialism

We've got a very special episode to celebrate episode 100 of Fintech Chatter Podcast.

And to commemorate such an occasion Dexter Cousins is joined by the Godfather of Fintech, Brett King.

In today’s show, Brett talks about his new book, Co-Authored with Dr Richard Petty The Rise of Technosocialism

The book examines how the 21st century is going to be the most disruptive, contentious period humanity has ever lived through. 

Our most sacred ideologies around politics, economics and social constructs are being challenged, Brett and Richard explore how technology can be a force for good and create an advanced and fair society. 

Tune in for a fascinating discussion on

Make sure you listen to the end to be in with a chance to win a signed copy of The Rise of Techosocialism.

For more info on the book and to pick up a copy go to - https://riseoftechnosocialism.com/

Author Brett King

Brett King is a world-renowned entrepreneur, futurist, speaker, international bestselling author, and media personality. 

China’s President Xi Jinping cited his book Augmented: Life in the Smart Lane on the topic of Artificial Intelligence in his 2018 national address; the same book that was listed as a Top 10 non-fiction book in North America. 

In 2019 his book Bank 4.0 was awarded the Top Book by a Foreign Author in Russia for that year.

In 2020 King was inducted into the Fintech Hall of Fame by CB Insights. In 2015 he was shortlisted for the Advance Global Australian of the Year Award. 

His books have been released in over a dozen languages. Banking Exchange magazine dubbed him the “King of Disruptors”, while The Australian newspaper in Australia called him the “Godfather of Fintech”.

Author Dr Richard Petty

Dr Richard Petty is a government policy advisor, entrepreneur and awarded academic. Based in Hong Kong, Richard has lived and worked in Greater China since the 1990’s. 

He is a past Chairman of the Australian Chamber of Commerce Hong Kong & Macau and CPA Australia, and is founding Vice Chairman, Hong Kong ASEAN Economic Cooperation Foundation.

Richard sits on the board of listed companies in the United States and Australia, has advised on projects with an aggregate economic impact in the hundreds of billions of dollars, and has led reviews of several economies and studies on economic competitiveness in several countries.

Do you need a resume?

We live in a digital world - yet many of the processes and systems we use are stuck in an analog world. None more so than recruitment. Despite rapid technological advances this century, the process of hiring has remained largely unchanged over the last 100 years. No part of the hiring process causes more debate than the resume.

How many pages should a resume be? 

This is a question I am asked every day. And everyone has their own answer.

Many people are even questioning if we need resumes at all.

You may think of the resume as a record of work so why bother when we have LinkedIn?

But the origins of the resume were as much a marketing tool as a record of work. 

So where did the resume originate?

In 1482, a 30-year-old Leonardo Da Vinci wanted to work in the city of Milan as a town planner/architect. So he sent a letter to the Regent of Milan, outlining his skills and experience.

The resume was born!

Leonardo Da Vinci's resume in 1498

At the time of Da Vinci, there were obviously no job boards, no recruitment agencies, no LinkedIn, no internet, no video, no phones. 

LDV didn't even have a job he could apply to. So how did he pique the interest of the Regent enough to get a job? 

Here’s the clever thing LDV did with his resume. Rather than just list the things he had done, he listed 11 ways he could improve the city of Milan with examples to back it up. 

Marketing 101 - Identify a problem, present a solution and describe the value it creates.

So not only was Leonardo Da Vinci a supremely talented innovator, engineer and artist, he was also a highly gifted marketer!

The big problem with resumes

The regent of Milan didn't receive hundreds of resumes. He only received one and it was unique!

Today your resume is amongst millions being submitted to job boards and recruitment agencies on a daily basis.

A 2018 study revealed recruiters take on average 7.4 seconds to decide if you are a fit or not.

How do you get your expertise across in a few pages in just 7.4 seconds? Clickbait?

Not quite but if you look at the science behind a clickbait headline it is there to draw the reader in. Then provide more detailed information.

So should your resume be more like a landing page?

We are at the beginning of the data/digital revolution

Now is the time to innovate, ditch the resume, get with the program and stop relying on a tool that’s over 500 years old.

But everyone demands a resume I hear you say. Of course, they do.

At the time, the only medium LDV had available to showcase his skills and expertise was writing.

But you have video, podcasts, blogs, websites, GitHub, Twitter, LinkedIn, Instagram, Club House, Newsletters. The list of possibilities to convey your skills and expertise is endless!

So how would Da Vinci market himself today🤔

If Da Vinci followed conventional advice, he'd spend months trying to figure out how to distil his vast experience into two or three pages.

Here’s a few things I think LDV would do to market himself in 2021.

Is this a lot of work? Absolutely!

And it should be. If you think of yourself as a business is it acceptable the only way you would promote your business is through a 3 or 4-page brochure? Do companies even have brochures today?

If you are struggling to get all of your experience into a resume, that’s because it is impossible.

Remember we are in the data/digital age. A written 3-page document holds less than a megabyte of information. A video file contains hundreds of megabytes!

Instead of ‘A picture paints a thousand words’ - ‘A video paints a billion words’

If you don't think this is relevant just look on LinkedIn and Twitter and you will see the competition you are up against. There are people creating a personal brand and doing a great job of marketing themselves. To the extent that the work comes to them.

So do you still need a resume?

Yes, you do need a resume, but only as part of a multi-channel marketing strategy.

The debate around resumes concerns me. It seems the vast majority of the workforce believes they hold no responsibility for conveying relevant information in ways that clearly articulate their value to a prospective employer or client.

And it causes me even greater concern when writing a resume is outsourced to a resume writing service. No one can or should do a better job of communicating your expertise and experience.

Would you agree that your ability to present and communicate effectively with words is a critical component of your daily work?

With most of the world operating remotely, it has become more important than ever that our writing skills are up to the task.

One final thing + a free resume template

The resume was designed for A4 paper. But most people will read your resume on a laptop screen or smartphone (we have the data to back this up)

The A4 format actually works quite well for a smartphone - if you keep the formatting simple.

At Tier one People we’ve put together our design know-how coupled with data to create an optimised one-pager resume. The only thing that is missing is your clickbait headline!

You can download the one-pager for free.

66: Limepay - Careers Special, Claire Alexander

Dexter Cousins ushers in 2021 and season 3 of the FinTech Australia Podcast with Claire Alexander, Head of People at Limepay. 

In this special show Dexter fields questions from you, the listeners, on Fintech career advice.

Tune in as Claire and Dexter discuss which skills are in demand, which skills you should focus on developing, what stage a Fintech will hire specialists over generalists and how to position yourself when applying to roles in Fintech.

They also share insights on resumes, cover letters and how to work best with recruiters. As well as covering one or two career dilemmas.

Find out more about Limepay at https://limepay.com.au

About Claire: Claire has extensive experience in talent acquisition, HR strategy & transformation and coaching. Combined with her passion to build start-ups, Claire also has a coaching business that supports her clients to achieve their career goals using simple strategies and NLP frameworks. 

Since arriving in Australia Claire has spent the last 10+ years in the talent acquisition and HR space.  More recently she supported Zip Co to expand globally as their Global Head of Talent and Organisational Design.

Claire is now helping to scale Limepay, an upcoming Fintech set for rapid growth over the next 12 months. 

Follow Claire on LinkedIn