Head of Products - Lending | Sydney | Executive Leadership | Non-Bank Lending.

We're partnering with a well-established international non-bank lender to appoint its first Head of Product. This is a pivotal executive hire that will shape the future direction of an established lending portfolio, bringing greater strategic thinking, commercial discipline and long-term product leadership to the business.

We're looking for a commercially and financially sophisticated lending leader with deep experience in unsecured SME credit. You may have come through Product, Credit, Lending Strategy or Portfolio Management, but you'll understand the underlying economics of lending and have a track‑record of developing, launching and scaling lending products for small and medium businesses.

If you've owned products across working capital, cashflow lending, merchant cash advance, revolving credit, business lines of credit or other unsecured SME lending products, this is an opportunity to influence far more than a roadmap.

You’ll work directly with the CEO and Executive Leadership Team to determine where the business should invest, how the lending portfolio evolves, which recent products and opportunities to pursue, and how Product can become an even stronger driver of commercial growth.

What you’ll be responsible forThis is a genuine portfolio leadership role where you’ll become the custodian of the business’s lending products.

You’ll lead decisions around:

- Long‑term product strategy and portfolio direction
- Investment priorities across the lending portfolio
- New lending products, markets and customer propositions
- Product pricing, credit strategy, commercial performance and portfolio optimisation
- Balancing growth and customer outcomes with lending economics, credit risk and profitability
- Product lifecycle decisions,



including where to invest, optimise, simplify or retire products
- Working across Product, Credit, Risk, Technology, Operations and Commercial teams to take new products to market
- Building stronger Product capability, governance and strategic decision‑making across the organisation

We're keen to speak with people who have experience in

- Unsecured B2B / SME lending
- Working capital and cashflow lending
- Merchant cash advance
- Revolving credit and business lines of credit
- Credit strategy and decisioning
- Developing and launching new lending products
- Lending economics, pricing and portfolio management
- Commercial ownership of lending products within regulated environments

You’ll likely have built your career within a non-bank lender, specialist SME lender or fintech where unsecured business lending is a core product. You’ll be equally comfortable discussing credit risk, pricing and portfolio performance as you are customer propositions, product strategy and commercial growth.

Hands‑on experience developing and managing unsecured lending products for SMEs is essential. This could include working capital, cashflow lending, merchant cash advance, revolving credit or business lines of credit. Broader lending experience is valuable, but we’re particularly interested in people who have operated deeply within unsecured SME credit.

A strong analytical background in areas such as economics, mathematics, statistics, actuarial studies, quantitative finance or credit risk would be highly regarded.

Why this role?This is an opportunity to step into a genuine executive leadership position with a direct seat at the table. You’ll partner closely with the CEO, influence major investment decisions and have the mandate to shape both the future lending portfolio and the Product capability supporting it.

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📌 Head of Lending Products (City of Sydney)
🏢 @
📍 City of Sydney