About OwnHome

OwnHome is Australia’s category leader in high‑LVR lending. Our mission is to make home ownership accessible and fast, providing the lowest rates with the quickest and easiest underwriting experience. We partner with brokers nationwide and are supported by major banks and super funds.

Role: Senior Credit Analyst – Sydney (Potts Point HQ)

This role involves handling the most complex credit files, working closely with brokers, and shaping the future of underwriting at OwnHome. You will work directly with leadership and cross‑functional teams to deliver high‑quality credit decisions and advocate for broker relationships.

Responsibilities

- Assess deals end to end—scenario, pre‑approval, and formal credit assessment.
- Take ownership of complex files including non‑standard income, challenging serviceability, and policy grey areas.
- Maintain and improve broker SLAs: a 48‑hour pre‑approval SLA and an average 19‑hour response time.
- Lead credit decisions and collaborate across teams to enhance broker and client experience.
- Advocate for broker relationships by delivering consistent, high‑quality credit outcomes.
- Set and uphold the underwriting standard that the team scales around.
- Think systemically and use AI tools to eliminate manual bottlenecks.
- Apply deep knowledge of residential lending—including LVR, serviceability, LMI, and DLA considerations.
- Operate effectively in a rapid‑moving environment; not suited for routine Big 4 experience.
- Treat credit as a system, not just individual files.




- Employ AI as a tool to augment decision‑making, not a threat.
- Provide strong judgment, walking teams through trade‑offs and rationale.
- Work directly with the Credit Operations Lead, Lending Operations Lead, and sales teams—no unnecessary layers.
- Help design the future of credit as 70 % of underwriting is automated through Slate.
- Support aggregator partnerships by delivering on turnaround and quality.

Compensation & Benefits

- Competitive salary + super.
- Annual bonus tied to business performance.
- Meaningful equity (ESOP) – own a share of the product you build.
- Work from the Potts Point HQ office.
- Fast‑track progression based on performance, not tenure.
- Monthly tech & wellness allowance of $200.
- Annual learning & development stipend of $2,500.
- Annual Bali offsite.
- Free buyer’s agent service.
- Weekly team lunch and office goodies.
- Seven days of work‑from‑anywhere.

Product Highlight – OwnHome Boost

OwnHome Boost is our high‑LVR product for borrowers with less than a 20 % deposit. It offers the lowest rate, minimal capitalised fees, up to 100 % LVR, and a complimentary buyer’s agent service that moves customers from pre‑approval to exchange in about 24 days—well ahead of the national average.

Our Culture

We operate with the speed of a startup while being backed by major institutional partners. We value judgment over routine, encourage hands‑on problem‑solving, and give individuals the opportunity to shape their own path.

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📌 Senior Credit Analyst (City of Sydney)
🏢 Ownhome
📍 City of Sydney