Job Description

Head of Credit & Portfolio Management
n Melbourne | Hybrid
n A growing specialist lender is seeking an experienced credit leader to take ownership of both credit decisioning and portfolio performance across a national lending portfolio.

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This is a highly visible leadership role with direct access to the executive team and genuine influence over how the business manages risk, supports growth and evolves its credit capability.

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We're looking for someone who can comfortably operate between strategy and execution. Someone who enjoys shaping policy, governance and frameworks, but is equally prepared to assess a complex deal, challenge assumptions, work through an emerging risk exposure or support a client through a restructure.

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The environment is entrepreneurial, collaborative and hands-on. You'll be joining a lean team where influence matters more than hierarchy, and where the focus is on scaling capability through strong processes, technology and sound credit judgement.

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The Prospect

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Reporting to the CEO, you will lead the end-to-end credit and portfolio management function, including:

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- Credit assessment, approval and credit risk management
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- Ongoing portfolio monitoring and performance oversight
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- Arrears management, restructures and recoveries
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- Credit policy, governance and delegated authority frameworks
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- Portfolio reporting, risk insights and executive-level recommendations
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- Coaching and development of the credit team
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- Continuous improvement of processes, systems and controls
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You'll work closely with senior stakeholders across the business to support sustainable growth while maintaining disciplined credit standards and strong portfolio outcomes.

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What We're Looking For

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You are likely an experienced Senior Credit Manager, Head of Credit or Portfolio Risk leader looking for a role where you can make a genuine impact.

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- Significant commercial lending and credit risk experience
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- A strong understanding of financial analysis, cash flow, security structures and repayment capacity
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- Experience managing lending portfolios and emerging credit risk
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- Exposure to arrears management, restructures, workouts and recoveries
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- The ability to balance commercial growth objectives with sound risk management
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- Strong stakeholder engagement and influencing capability
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- A hands-on leadership style and willingness to remain close to the detail
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- Experience improving credit frameworks, governance, and operational processes
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Why This Role?

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This opportunity offers a rare combination of:

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- Executive-level visibility and influence
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- Ownership of both new business and portfolio quality
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- The ability to shape credit strategy and frameworks
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- A genuine balance of leadership and hands-on involvement
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- A growing business where your contribution will be highly visible
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This role will suit a commercially minded credit professional who enjoys building capability, influencing outcomes and taking ownership of portfolio performance rather than simply reviewing transactions.

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📌 Head of Credit and Portfolio Management (Victoria)
🏢 Sustainrecruit
📍 Victoria