Head of Mortgages
Employment Info
JOB DETAILS
What you’ll do
Someone who lives at the intersection of innovation, commerciality, and risk. You can spot opportunity and stress-test it in the same breath. You’ve done this before at pace, probably inside a lender or fintech where “move fast” and “don’t blow up the book” had to coexist.
If you’re done with the red tape of traditional banking and want to build something tech-forward and customer-centric, we should talk.
New Product Development & Strategy
Identify & Launch: Lead the identification, design, and launch of innovative mortgage solutions tailored to today’s borrowers.
Commercial Balance: Ensure all new lending products strike the perfect balance between market opportunity, strong commercial outcomes and disciplined risk controls.
Scalability: Develop credit frameworks that allow our mortgage offerings to scale rapidly as Bridgit expands its footprint.
Credit Risk Management
Sustainable Growth: Build and manage the risk frameworks that ensure our portfolio growth is both ambitious and sustainable.
Portfolio Oversight: Monitor loan book performance to identify emerging trends, providing early identification of risks as we scale.
Data-Driven Insights: Use portfolio analytics to recommend adjustments to risk appetite settings and product-specific credit parameters.
Credit Policy & Governance
Policy Evolution: Lead the development and ongoing evolution of our clients Credit Policy and Responsible Lending framework to stay ahead of market shifts.
Regulatory & Funding Alignment: Ensure all policies remain strictly aligned with NCCP requirements, consumer credit regulations, and funding partner expectations.
Operational Integration: Work with Product and Tech teams to translate policy into seamless, system-based workflows and automated decisioning tools.
What we are looking for
Mortgage Expertise: 10+ years of experience in credit risk, credit policy, or mortgage product design within the Australian non-bank and bank industry.
Regulatory Mastery: A deep understanding of Australian consumer credit regulations, National Consumer Credit Protection (NCCP) requirements, and responsible lending obligations.
Strategic Builder: Proven experience translating high-level credit policy into operational processes and digital decisioning frameworks.
Commercial Acumen: Strong commercial judgment with the ability to balance risk mitigation with the need for product innovation and growth.
Agile Mindset: The ability to operate effectively and pivot quickly within a fast-growing, high-energy fintech environment.
Collaborative Leader: A track record of partnering effectively with CEOs, COOs, and technology teams to deliver complex financial products.
Are you interested in this position?
Apply by clicking on the “Apply Now” button below!
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