Head of Credit

2 days ago

North Sydney New South Wales Australia Mortgage House Capital Pty Full time $120,000 - $180,000 per year

Lead. Transform. Elevate Credit at an Award-Winning Non-Bank Lender.

Mortgage House is an award-winning, customer-focused non-bank lender with more than 35 years' experience helping Australians achieve their financial goals. We're transforming the way we work — embracing digital innovation, smarter risk management, and exceptional customer service — and we're looking for a Head of Credit to lead this change.

About the Role

As Head of Credit, you will lead our Credit function across multiple distribution channels, ensuring consistent, high-quality credit decisioning and a strong risk and compliance culture. You'll oversee portfolio strategy, credit policies, and governance frameworks, partnering closely with the Executive team, Treasury, and Compliance to drive responsible growth.

This role combines strategic oversight and hands-on leadership — perfect for an experienced credit professional who thrives in a dynamic, fast-evolving lending environment.

Key Responsibilities

  • Lead and evolve the organisation's credit risk appetite, policy frameworks, and portfolio strategy.
  • Oversee all credit operations, ensuring timely, consistent, and high-quality decisioning.
  • Chair the Credit Committee and provide strategic insights on emerging risks and trends.
  • Build strong relationships with funders, LMIs, and regulatory partners.
  • Drive innovation through technology, automation, and data analytics.
  • Lead, coach, and develop a high-performing team of credit professionals.
  • Collaborate across Sales, Treasury, and Operations to deliver a seamless customer experience.

About You

You're an experienced lending professional with the credibility and leadership to influence across all levels of the business. You bring a balance of commercial acumen and risk discipline, and you're passionate about using data, technology, and people leadership to achieve superior outcomes.

You will bring:

  • Extensive experience in residential or commercial lending, with deep credit assessment and decisioning expertise.
  • Proven success leading credit teams in a non-bank or fintech environment.
  • Strong understanding of regulatory frameworks (NCCP, AML/CTF, RG209, Privacy, Bankruptcy Acts).
  • Exceptional communication and stakeholder management skills.
  • A collaborative leadership style that promotes empowerment, accountability, and continuous improvement.

Why Join Mortgage House?

  • Be part of a forward-thinking lender with an agile and innovative culture.
  • Lead one of the most critical functions within a well-established and growing brand.
  • Work with an experienced Executive team committed to transformation and excellence.
  • Attractive remuneration package + performance incentives.
  • North Sydney offices with hybrid working flexibility.

Ready to make your mark?

Join us as we build the next chapter of Mortgage House's success.

Apply now with your CV and a brief cover letter outlining your leadership experience and credit philosophy.

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