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
- Proven stakeholder engagement skills, comfortable operating at Board/ExCo level
- 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, cutting-edge and collaborative culture
- Hybrid working model
- Competitive market salary
For a confidential discussion, please apply. Alternatively, contact Ben Hunt at JS Careers, via
[email protected] or 02 8096 9415
📌 Head of Credit Strategy - Non-Bank Lender (Sydney)
🏢 JS Careers
📍 Sydney