National Australia Bank chief executive Cameron Clyne rejected the suggestion put to him by a sell-side analyst yesterday that management changes at the bank were a reshuffle of existing senior management, and that the bank had missed an opportunity to bring in talent from outside and some new thinking with it."I back this management team," Clyne said. He announced the following changes.* Rick Sawers, who is currently group executive of wholesale banking, will take on the new role of group executive, products and markets.* Lisa Gray, currently group executive personal banking, will take on the new role of group executive, enterprise services and transformation. * Gavin Slater, currently group executive business services, has been appointed as group executive, personal banking.* Joseph Healy will stay in his role as group executive, business banking, but will take on the added responsibilities of Asia, private banking and the financial institutions' group.* Andrew Haggar, currently group executive, marketing and communications, has been appointed group executive, NAB Wealth.* Michaela Healey, currently group executive, group governance and legal, has been appointed group executive, people, communications and governance.* Bruce Munro remains in his role as chief risk officer, and Andrew Thorburn remains in his role as head of New Zealand banking.* The bank's chief financial officer, Mark Joiner, will retire at the end of the year.There is some uncertainty about the roles Gray and Sawers will play, and how much overlap there will be between them. Clyne said Gray's job would be to make sure all the bank's investment in technology found its way "from the back office to the front office." Sawers' job is to "optimise the product range."