Head Of Lending

Head of Lending

**Brighter Together**

Our mission is the make sustainability affordable and accessible for everyone.

By offering financial solutions to homeowners, we're making renewable energy and home improvements more accessible to the everyday Aussie.

Our founder and CEO, Katherine McConnell, has been awarded Telstra Business Woman of the year in 2020 as well as winning the Sustainability Crusader award at B&T's 2023 Women Leading Tech Awards. She is a passionate and humble leader who has a human first approach to business. As a business we have been awarded AFR Sustainability Leader in the Banking and Finance category and won the inaugural Sustainability Award at the Affies

We value different perspectives, skills and backgrounds and have been recognised for our strength in creating a diverse and inclusive workplace, winning Best Workplace Diversity (Finnies 2021).

Like what you've read so far? Read on for info on this role

**Overview**

The purpose of the role is to be the product owner of the credit and lending capability at Brighte and ensuring revenue, risk and customer experience targets associated with lending are met. The role means that this person is the owner of the credit policy and corresponding credit metrics which support revenue outcomes (e.g. approval rate, credit approval process, vendor quality etc. whilst ensuring we meet our regulatory requirements and risk appetite.

You'll help to dentify, prioritise and deliver on opportunities which increase the profitability of Brighte's core lending products and provide a single point of accountability to Brighte's C-Suite executives on the financial performance and Key Risks across all of Brighte's lending products.

**What You'll Do**

You'll be taking the lead and inspiring stakeholders across the business by:

- All facets of the lending journey, and key decisions required to enhance the profitability of Brighte's lending portfolio.
- Market problems and opportunities to grow lending margin whilst operating within the business risk appetite.
- Business objectives and process/technical requirements which can used by the program and product management functions to build new products or feature enhancements.
- Turning ideas into reality by owning the end-to-end product development/enhancement lifecycle of:
process of problem identification, solution design, business case approval, requirement gathering, technical delivery, risk ownership.
- Continuously monitoring and challenging the key inputs which drive individual and portfolio level loan profitability.

**What You'll Bring**
- An ability to lead and motivate individuals across all the functions required to operate and enhance a lending product.
- Experience in identifying and resolving market problems which exist within the purchasing of renewables.
- A data driven, financially focussed mindset and a deep understanding of the commercial drivers of lending products.
- You are an experienced leader yet are still hands on to understand where change needs to be made.
- Your communication skills - both written and verbal - are second to none and your ability to adapt to your audience is strong.
- You have very high emotional intelligence.
- You have the ability to think critically and strategically.

**Benefits**

We're committed to building a culture where our people can thrive, both professionally and personally. So, we offer a variety of benefits and perks to support you and your family.
- Flexible working arrangements to suit individual needs and a hybrid work model. Our office is designed for collaboration, creativity and balance between office engagement and remote flexibility.
- Employee share options - new staff may be given an opportunity to join our Employee Share Option Plans (ESOP).
- Get social. Connect over lunch at Burger Thursday's, plus a weekly Thursday social event, where you can catch up with colleagues over a drink, snack and a game of table tennis.
- Nutritious snacks - who doesn't love that? Our thoughtfully stocked pantry includes snacks to suit your every mood. Fresh bread, protein bars, popcorn, fresh fruit, chocolate, soy crisps, cookies - you name it We also offer a carefully curated collection of wines and beer on tap for those looking to unwind or enjoy a social moment.
- End-of-trip facilities. Cycle in to work, lock up your wheels and have a shower in our end-of-trip facilities, which come complete with towel service and hair dryers.
- Anniversary leave - your dedication at Brighte won't go unnoticed. Enjoy an extra day to celebrate your work anniversary with us.

**Diversity and Inclusion**

At Brighte, we celebrate diversity and encourage you to bring your whole self to work. Our inclusive culture is the foundation of our innovative and dynamic environment.

Named LinkedIn's #10 Top Australian Start Up (2021), we know we wouldn't be anywhere without our investors, who believe in our mission and the opportunities that lie ahead for a brighter future.