About Us ?

Bridgit is a leading non-bank lender transforming the way Australians access property equity. Purpose-built to make property transactions faster and easier, we pioneered the Buy Now, Sell Later solution - empowering homeowners to unlock their property equity and move on their terms. With a simple digital application, fast approvals, and flexible loan options, we're making property finance seamless and stress-free.

We're now five years old and making huge strides. We've accredited over three-quarters of Australia's broker network, and launched white label solutions with Australia's largest aggregators - Connective, Aussie Home Loans, Finsure, and Loan Market Group - and we're just getting started.

Our momentum has been recognised with awards including Best Growth Story at the 2025 Fintech Awards, the 2025 Finder People's Choice Award for Lending Innovation, Deloitte's Tech Fast 50 2025, and a place among LinkedIn's Top 20 Startups in Australia 2025 & 2026.

DIFFERENCE YOU'LL MAKE

Bridgit is redefining how Australian homeowners move. We've built a smarter, faster take on bridging finance, and now we're expanding our mortgage suite. This is the role that shapes what comes next.

As Head of Mortgages, you'll own our products and how they're priced. That means spotting market gaps and designing new products, then owning the rate card, the Pricing Committee, competitive intelligence and pricing performance across both new originations and the existing book.

The pricing infrastructure is already in place: a pricing monitor, rate card, Pricing Committee memos, persona matrix and archetype framework. What's missing is a senior owner who can run it, sharpen it and build out the workstreams that don't yet exist.

What You'll Do

New Product Development &

- Strategy

- Identify &
- Launch: Lead the identification, design and launch of innovative mortgage solutions tailored to today's borrowers.
- Commercial Balance: Ensure every new product strikes the right balance between market opportunity, strong commercial outcomes and sound unit economics.
- Launch Pricing: Lead pricing for new products end to end, including rate card build, loading derivation and NIM modelling.
- Scalability: Build product and pricing frameworks that allow our mortgage offerings to scale rapidly as Bridgit expands its footprint.

Pricing Ownership &

- Execution

- End-to-End Pricing: Own pricing across the full product suite, including Residential Bridging, Commercial Bridging, ERHL and new mortgage products, covering both front-book originations and the back-book portfolio.
- Pricing Infrastructure: Own the Rate Card Master,



Pricing Discretion Register, Borrower Persona Matrix and archetype classification framework, with clear version control and audit trail.
- Pricing Committee: Lead the Pricing Committee process: prepare and circulate PC memos, run unit economics checks (NIM waterfall, contribution margin, floor gap analysis) and drive implementation of decisions.

Pricing Effectiveness &

- Portfolio Analytics

- Front-Book Effectiveness: Measure the impact of pricing decisions through post-change conversion by rate point, pull-through by broker cohort, lost deal patterns and volume response to discretions and campaigns.
- Back-Book Analytics: Stand up back-book pricing analytics, including yield drift monitoring, repricing opportunities, discharge economics and segmentation by product, vintage and risk tier.
- Closing the Loop: Feed findings back into product and pricing decisions so market positioning and portfolio outcomes stay connected.

Competitive Intelligence

- Market Monitoring: Build and maintain structured competitive intelligence across the full lender panel, covering rates, credit policy, product launches, channel strategy and broker commission movements.
- Committee-Ready Insight: Translate market observations into explicit analysis with direct implications for Bridgit's product and rate positioning.

Governance &

- Cross-Functional Partnership

- Pricing Governance: Maintain robust governance over pricing decisions, discretions and approvals, ensuring they're documented, auditable and aligned with NCCP obligations and funding partner expectations.
- Credit Partnership: Work closely with the Credit team so products and pricing sit within Bridgit's risk appetite and credit settings.
- Operational Integration: Partner with Product and Tech to translate product and pricing decisions into seamless, system-based workflows and automated pricing tools.
- Go-to-Market: Partner with Marketing on broker-facing positioning for rate changes, campaigns and launches, aligning timing with PC decisions and post-RBA comms windows, and coordinate rollout across Credit, Treasury and the BDM network.

What We're Looking For

- Mortgage Expertise: 10+ years in mortgage product,



pricing or portfolio analytics within an Australian non-bank lender, bank or mortgage aggregator.
- Pricing Ownership: Demonstrated experience owning or operating a rate card, loading matrix or Pricing Committee process.
- Financial Fluency: Strong command of IRR, NIM waterfall, contribution margin and floor gap mechanics, computed from first principles rather than templates, and fluency across front-book origination economics and back-book portfolio dynamics.
- Regulatory Awareness: Solid understanding of Australian consumer credit regulation, NCCP and responsible lending obligations as they apply to product and pricing.
- Commercial Acumen: Strong commercial judgement and the ability to balance margin, growth and product innovation.
- Strategic Builder: Proven experience turning strategy into operational processes and digital tools.
- Clear Communicator: Structured written output suitable for committee and executive audiences.
- Agile Mindset: The ability to operate effectively and pivot quickly in a fast-growing, high-energy fintech environment.
- Collaborative Leader: A track record of partnering with CEOs, COOs, finance and technology teams to deliver complex financial products.

WHY JOIN US? Bridgit Values Its Team, They Are The Heart Of How We Build This Business.

Along With Competitive

Remuneration, Slick Offices And The Chance To Be Part Of An Innovative, Agile Fintech, We Also Offer

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- Extra days off: birthday leave, Kudos leave + an additional day of paid leave to be used for life events, celebrations or just a mental health reset.
- ✈️
- Two weeks from anywhere: swap your desk for a change of scenery and work remotely for two weeks every year.
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- Training & development budget: a dedicated budget for courses, conferences and learning, plus internal learning programmes.
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- Generous parental leave: time to focus on what matters most when your family grows.
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- Discounted gym membership: we’ll help cover the cost.
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- Catered team lunches and a social calendar packed with events all year round.
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- Dog-friendly Sydney HQ office with a rooftop for lunch breaks and team catch-ups.

READY TO MAKE AN IMPACT? ? If you’re excited about reshaping the lending industry and want to be part of a company that values authenticity and innovation, we’d love to chat. Apply now and let’s build the future of finance together!

A heads-up that because we operate in the financial services space, any offer made will be subject to successful pre-employment screening, including reference checks and a standard police check.

📌 Head of Mortgages (Sydney)
🏢 Bridgit
📍 Sydney