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
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 transparent 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 skilled, 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;
Robust 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;
Strong leadership, coaching, and stakeholder skills, including with brokers and executives;
A service mindset and a commercial, solutions-focused approach.

📌 Head Of Credit Sydney (Australia)
🏢 JS Careers
📍 Australia