This a high-growth, technology-enabled banking organisation has a leadership team made up of proven executives from major financial institutions and fintechs. With significant investment backing, advanced digital platforms, and a customer-first mindset, the group is scaling fast across Australia and reshaping how banking services are delivered. Their culture is collaborative, outcome-driven, and entrepreneurial — offering ambitious professionals the chance to make a visible impact in a challenger bank environment.

Reporting to the COO, the Head of Credit is accountable for the entire credit lifecycle — from strategy and frameworks to portfolio management, underwriting, provisioning, and collections. This role is both strategic and hands-on, shaping credit outcomes in a regulated environment while enabling strong growth ambitions. You’ll engage directly with ExCo, Board Committees, and regulators, while building a high-performing credit team that underpins sustainable expansion.

Key Responsibilities

• Set and execute credit strategy, policy, and frameworks
• Oversee portfolio performance, provisioning, and stress testing
• Lead underwriting standards, QA, and loss optimisation initiatives
• Partner with Finance, Risk, and Operations to support growth
• Build and mentor a high-performing, scalable credit function

• 10+ years in senior credit risk roles within banking or financial services
• Proven end-to-end ownership of credit lifecycle and governance
• Strong Board, ExCo, and regulator engagement experience (APRA/ASIC)
• Ability to balance growth with prudent risk management
• Inspirational leader with both strategic vision and operational depth