For nearly 15 years, this finance company based in Queensland has been devoted to enhancing the financial health of Australians who have been overlooked by traditional lenders. With a strong footprint in asset finance and cash flow financing this successful Australian firm is expanding into non-nonconforming mortgages and are seeking a Head of Credit to spear head this growth in a people first business. The Job…. Reporting directly to the Chief Customer Officer your role will encompass: Overseeing and owning the end‑to‑end credit lifecycle including borrower risk profiling, loan origination, portfolio optimisation and portfolio‑wide risk management - across all consumer and commercial products (mortgages, asset finance and unsecured cash‑flow). Serving on the Credit Committed you will help translate the board approved credit risk appetite to day to day underwriting policy, implement lending practices and sound credit decisioning. Leading a high performing credit team you will be able to leverage from existing business success and transition to the mortgage space with the right tools in place for success Blend data driven analytics with manual assessment producing informed credit decisions while maintaining compliance with all legal and regulatory obligations. Assessing, reviewing and deploying AI driven credit decision engines ensuring strong model governance. Work with the SLT in evaluating new white label or strategic partnerships for credit fit and operational risk. Fostering a culture of empowerment, accountability and continuous process improvement. You… To be successful in this role, you will have the following skills: Ideally you will have 10 years experience in credit underwriting / risk across both consumer and commercial portfolios including mortgage portfolio management in the non-conforming space. Deep understanding of ASIC, NCCP legislation, AML/CTF, IRFRS, scorecard design, stress testing and modelling. Proven track record in leading and developing multi-site teams across credit operations, credit optimisation and credit analysts. Collaborate with brokers, aggregators, and BDMs to ensure compliance with credit standards while enhancing the overall effectiveness and quality of communication. Work with the SLT in evaluating new white label or strategic partnerships for credit fit and operational risk. How to apply… Join a company who has access to one of the broadest investor bases in the industry, which translates to flexibility to operate in market segments others can't. For an innovative, dynamic and strategic Head of Credit, this is a perfect opportunity to build smarter credit policy, stronger product innovation and better customer outcomes. If you are ready to be part of that journey you're welcome to share your CV with jquigley@sbrecuritment.com or all Jenny on 02 9002 5005 to discuss further.
