Our client is a fast-growing, non-bank residential lender that has disrupted the Australian home loan market since launch.
Due to continued growth, they are seeking aHead of Credit Strategyto lead and evolve the credit risk framework, lending policy and overall credit approach across the business.
The Role
Reporting directly to theChief Risk Officer, this is a senior leadership appointment with genuine influence over business-wide decision‐making.
You'll shape the direction of credit risk for a scaling lender, balancing strategic policy ownership with hands‐on portfolio management.
Key Responsibilities
Own and evolve the Credit Risk Appetite Statement, incorporating market trends, competitive positioning and legislative/regulatory requirements
Partner with senior leadership to drive the innovation agenda and communicate credit risk changes across the business
Uplift credit capability across the wider team, including supporting sales/origination teams on policy interpretation and application
Maintain and drive core governance documents: Risk Appetite Statement, Responsible Lending Obligations, Lending Policy and Delegated Lending Authority (DLA) Framework
Manage vendor relationships across credit services, including contract negotiation and ongoing performance management
Represent the business in industry forums,



including Australian Retail Credit Association (ARCA) workshops, to help shape credit bureau reporting standards
Lead probability of default (PD) modelling to inform risk appetite and policy settings across the mortgage portfolio
Oversee risk control performance across the end‐to‐end credit value chain – policy waiver trends, rules engine outcomes, DLA decisions/mitigants and quality assurance results
Lead thematic reviews across key risk dimensions (LVR, postcode concentration, serviceability, employment type/tenure, environmental hazard exposure)
About You
Deep credit risk expertise across residential mortgages and secured lending
Strong command of credit policy, risk appetite frameworks and responsible lending obligations under Australian regulatory standards
Background in banking, non‐bank lending or fintech environments
Commercial acumen paired with a balanced, pragmatic approach to risk
Track record leading policy change or strategic credit initiatives, ideally within a high‐growth or transformation context
What's on Offer
Senior leadership role reporting directly into the CRO
Genuine influence over strategy and enterprise‐wide decision‐making
High‐growth, innovative and cooperative culture
Competitive market salary
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📌 Head Of Credit Strategy - Non-Bank Lender (New South Wales)
🏢 JS Careers
📍 New South Wales