Lead Credit Strategy & Risk for a Fast-Growing Fintech LenderAre you ready to take charge of credit strategy at a dynamic alternative lender making waves in the Australian finance market?We’re on the lookout for an experienced and forward-thinking Head of Credit to join our leadership team on the beautiful Gold Coast, QLD. This is a rare opportunity to shape the credit and risk framework for a fast-growing business offering Personal Loans, Consumer Auto Finance, and Commercial Auto Lending.About UsWe’re a modern, tech-driven lender providing smarter, more flexible finance solutions to under-served Australians. Our mission is to make credit more accessible and transparent – without the red tape.About the RoleAs Head of Credit, you’ll be responsible for building and optimising the credit function across all verticals – personal, auto, and commercial auto. You’ll work closely with Product, Operations, Business Development and Sales to define and execute our lending strategy.Key ResponsibilitiesIterate and lead credit policy across personal, auto, and commercial auto lending productsBuild and manage a high-performing credit teamOversee credit decisioning frameworks, scorecards, and automation toolsMonitor portfolio performance and adjust strategy to optimise growth and riskCollaborate with compliance and regulatory teams to ensure responsible lending practicesProvide strategic input to executive leadership on credit and risk appetiteWork with data and analytics to drive continuous improvement in underwritingWhat We’re Looking ForProven experience in a senior credit role within alternative lending or non-bank financial servicesDeep understanding of credit risk management, including secured personal and secured commercial auto lendingStrong knowledge of commercial vehicle finance is essentialData-driven mindset with experience using analytics to drive credit outcomesTrack record of scaling credit operations in a fast-moving environmentCollaborative leadership style with the ability to influence at executive levelStrong understanding of Australian credit regulatory landscapeBonus Points ForExperience working with sub-prime & mid-prime borrower segmentsExposure to credit automation, AI models, and digital loan origination toolsWhy Join Us?Make a real impact in a high-growth fintech lenderEnjoy a lifestyle-friendly location on the stunning Gold CoastSupportive, entrepreneurial team culture with room to growWe’re excited to meet bold, innovative leaders who want to shape the future of credit.
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