What if you had the opportunity to
design a national credit framework from first principles -
not inherit one?
This is a rare, foundational role for a senior credit professional who wants to
own the architecture
, not just optimise at the margins.
We are supporting a
well-capitalised, institutionally backed lending platform
entering the Australian market with a proven international playbook and significant funding capacity. The mandate is clear: take a highly successful offshore credit model and
re-engineer it for Australia -
policy, scorecards, decisioning, and performance monitoring - end to end.
You will operate as the
technical authority for credit
, reporting directly into executive leadership, with genuine autonomy and visibility.
Why this role is different?
* You are not inheriting legacy systems or constrained policies
* You will
build the Australian credit box from the ground up
* You will influence real capital deployment decisions, not just analytics
* You will work with leadership who understand credit risk and expect rigor
If you have ever been frustrated by slow governance, incremental change, or being too far from decision-making - this role is the opposite.
What you will own
Credit Policy & Framework Design
* Translate a large-scale, proven international underwriting approach into an Australian-specific credit policy.
* Define credit box parameters, exceptions, approval hierarchies, and governance
* Ensure alignment with Australian regulatory and bureau environments
Scorecard & Decisioning Architecture
* Personally design and build proprietary credit scorecards using Australian bureau data
* Develop segmentation and risk-based pricing logic
* Implement champion / challenger and ongoing performance refinement
Portfolio Analytics & Monitoring
* Establish vintage tracking, loss monitoring, and early-warning frameworks
* Build SQL-driven analytics to continuously optimise policy and performance
Senior Stakeholder Engagement
* Act as the credit subject-matter expert for leadership and capital partners
* Present insights, recommendations, and performance outcomes with confidence
Who this is for
You are likely someone who:
* Has 5
+ years in consumer credit risk
within a major bank or leading fintech
* Has
personally built scorecards
(not just validated or monitored them)
* Is fluent in
SQL
and comfortable working directly with data
* Understands Australian credit bureaus, CCR, and responsible lending obligations
* Has worked in environments where
frameworks had to be built, not inherited
* Thinks commercially as well as technically
Experience across personal loans, auto, equipment, or adjacent secured lending products is highly regarded, as is exposure to non-prime or alternative lending.
The upside
* Competitive senior-level compensation with performance linkage.
* Equity participation for exceptional candidates.
* Direct access to leadership and strategic influence.
* A genuine
ground-floor build
with scale behind it.
This is a career-defining role for someone who wants to
leave a fingerprint on a national credit platform
.