Job Description
Our client is a quick-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.
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The Role
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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.
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Key Responsibilities
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Own and evolve the Credit Risk Appetite Statement, incorporating market trends, competitive positioning and
legislative/regulatory
requirements
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Partner with senior leadership to drive the innovation agenda and communicate credit risk changes across the business
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Uplift credit capability across the wider team, including supporting sales/origination teams on policy interpretation and application
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Maintain and drive core governance documents: Risk Appetite Statement, Responsible Lending Obligations, Lending Policy and Delegated Lending Authority (DLA) Framework
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Manage vendor relationships across credit services, including contract negotiation and ongoing performance management
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Represent the business in industry forums,



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