Lead Credit Strategy & Risk for a Fast-Growing Fintech Lender
Are 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 Us
We’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 Role
As 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 Responsibilities
1. Iterate and lead credit policy across personal, auto, and commercial auto lending products
2. Build and manage a high-performing credit team
3. Oversee credit decisioning frameworks, scorecards, and automation tools
4. Monitor portfolio performance and adjust strategy to optimise growth and risk
5. Collaborate with compliance and regulatory teams to ensure responsible lending practices
6. Provide strategic input to executive leadership on credit and risk appetite
7. Work with data and analytics to drive continuous improvement in underwriting
What We’re Looking For
1. Proven experience in a senior credit role within alternative lending or non-bank financial services
2. Deep understanding of credit risk management, including secured personal and secured commercial auto lending
3. Strong knowledge of commercial vehicle finance is essential
4. Data-driven mindset with experience using analytics to drive credit outcomes
5. Track record of scaling credit operations in a fast-moving environment
6. Collaborative leadership style with the ability to influence at executive level
7. Strong understanding of Australian credit regulatory landscape
Bonus Points For
1. Experience working with sub-prime & mid-prime borrower segments
2. Exposure to credit automation, AI models, and digital loan origination tools
Why Join Us?
1. Make a real impact in a high-growth fintech lender
2. Enjoy a lifestyle-friendly location on the stunning Gold Coast
3. Supportive, entrepreneurial team culture with room to grow
We’re excited to meet bold, innovative leaders who want to shape the future of credit.
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