JS Careers is currently sourcing a newly created Head of Credit role with one of Australia's leading non-bank lenders.

This exciting new leadership role will be responsible and accountable for the end-to-end credit underwriting function. You will lead a team of credit underwriters and ensure the business makes consistent, high-quality credit decisions that meet credit policy and regulatory obligations while it grows a pool of high-quality mortgages.

Key responsibilities

Credit underwriting

- Own the credit underwriting function and be accountable for the quality and consistency of all decisions;
- Ensure all lending decisions meet credit policy requirements and regulatory obligations;
- Apply flexible, commonsense credit assessment across all target segments;
- Make and support complex credit decisions, and act as the escalation point for the team.

Portfolio and policy

- Support the growth of a high-quality mortgage portfolio;
- Contribute to the development and review of credit policy as the business grows and its product range evolves;
- Work with risk and compliance partners so the division operates within the risk framework.

Leadership

- Lead, coach, and develop a team of credit underwriters;
- Maintain responsive, high-touch service for broker partners, with timely and clear credit outcomes;
- Build a culture of accountability, sound judgement,



and continuous improvement.

Executive contribution

- Work as a valued member of the executive team, with the CEO and peers, to shape strategy and growth;
- Provide credit insight to inform pricing, product, and distribution decisions.

Required Experience:

This role will suit an experienced credit professional, with a minimum of 10 years of experience, ideally with an Australian non-bank lender.

Candidates must possess

- Substantial credit underwriting experience in residential mortgage lending, ideally with a non-bank or specialist lender;
- Experience leading, or acting as second-in-charge of, a credit or underwriting team;
- Strong understanding of non-prime, self-employed, commercial, and larger-loan lending;
- Working knowledge of the regulatory framework for credit, including responsible lending obligations.

Capabilities

- Sound, independent credit judgement, with the confidence to make and explain decisions;
- Ability to balance growth with credit quality and policy discipline;
- Solid leadership, coaching, and stakeholder skills, including with brokers and executives;
- A service mindset and a commercial, solutions-focused approach.

For further information or a confidential career discussion, please reach out to Jacob Smith - [email protected]

📌 Head of Credit (Sydney)
🏢 JS Careers
📍 Sydney