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 a Head of Credit Strategy to lead and evolve the credit risk framework, lending policy and overall credit approach across the business.

The Role

Reporting directly to the Chief 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 (City of Sydney)
🏢 JS Careers
📍 City of Sydney