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About the role
Key responsibilities & impact- Act as a senior delegated credit authority across residential and commercial lending
- Lead high-quality decisioning on complex transactions, balancing risk and commercial outcomes
- Provide clear and consistent interpretation of credit policy
- Uplift team capability through coaching, deal reviews, and structured delegation frameworks
- Ensure strong ownership and accountability across all credit decisions
- Own credit throughput, SLAs, and conversion across the pipeline (scenario → settlement)
- Prioritise high-value and time-sensitive deals to maximise settlements
- Partner closely with Sales (BDMs/BRMs) to actively manage pipeline flow and outcomes
- Identify and remove bottlenecks impacting speed, conversion, and broker experience
- Drive disciplined pipeline management with accurate, real-time visibility and ownership
- Act as a key support to the Head of Lending across credit execution and team performance
- Own defined components of the credit function, including delegation frameworks, decision consistency, and escalations
- Step into broader leadership responsibilities as required, including cross-regional alignment
- Support the ongoing evolution of the credit operating model as the business scales
- Contribute to the design and evolution of credit policy, aligned to risk appetite and growth objectives
- Partner with senior stakeholders on new product development (e.g. residential, commercial, emerging products)
- Provide insights from credit trends and deal flow to inform policy, pricing, and portfolio strategy
- Play an active role in shaping how the credit function scales, including process, automation, and system improvements
- Set and enforce market-leading SLAs and turnaround times
- Standardise workflows across Sydney and Melbourne to ensure consistency and scalability
- Drive continuous improvement across credit processes, including automation and system utilisation
- Improve decision quality and consistency through QA, feedback loops, and data
- Act as the senior leader for the Sydney credit team and broader office environment
- Build a high-performance culture focused on accountability, responsiveness, and solution-orientation
- Lead by example with strong ownership, pace, and decision-making
- Partner cross-functionally (Sales, Settlements, Collections, Ops) to align credit with business objectives
Requirements
What you’ll need- Deep experience across residential lending (prime + non-conforming); commercial exposure highly regarded
- Proven track record operating with high DLA and making complex credit decisions
- Strong commercial judgement with the ability to structure deals, not just assess risk
- Experience leading teams and driving performance in a fast-paced environment
- Demonstrated interest or experience in credit policy, product, or portfolio strategy
- High ownership mindset with comfort being accountable for outcomes
- Strong communication and stakeholder management skills
Benefits
Comp & perks- Extra Leave – We offer birthday leave + an additional day of paid leave to be used for life events, celebrations, or just a mental health reset.
- Two Weeks from Anywhere – We encourage employees to work remotely from a location of their choice for two weeks each year.
- Learning and Development – All employees are encouraged and empowered to engage in professional development, including a number of learning initiatives run internally.
- Social Events – We have a jam-packed social scene, with events throughout the year to bring the team together!
ATS Keywords
✓ Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
credit decisioningcredit policy interpretationpipeline managementdeal structuringcredit throughputSLA managementautomationquality assurancedata analysisrisk assessment
Soft Skills
leadershipcoachingaccountabilitycommunicationstakeholder managementperformance drivingsolution orientationresponsivenessteam buildingcommercial judgement