Associate Director - Credit

Bridgit; Sydney; Hybrid; AUD 230,000 - 360,000; Full time

Benefits offered by this job

Extra days off

Two weeks from anywhere

Training & development budget

Generous parental leave

Discounted gym membership

Catered team lunches

Dog-friendly Sydney HQ office

Job summary

Bridgit in Sydney seeks a senior credit leader to own the day-to-day performance of the Sydney credit function, shaping policy, risk appetite and product direction as the business scales. This role is designed to drive fast, commercially sound decisions while developing the team.

You will lead complex deal decisioning, uplift capability through coaching and reviews, manage the pipeline with Sales, and partner with the Head of Lending on the operating model and broker experience.

Qualifications

• Deep experience across residential lending (prime + non-conforming).
• Commercial lending exposure is highly regarded.
• Strong commercial judgement for structuring deals, not just assessing risk.
• Experience leading teams and driving performance in a fast-paced environment.
• Demonstrated interest or experience in credit policy, product, or portfolio strategy.
• High ownership mindset with accountability for outcomes.

Responsibilities

• Act as the senior delegated credit authority across residential and commercial lending.
• Lead high-quality decisioning on complex transactions, balancing risk and commercial outcomes.
• Provide clear and consistent interpretation of credit policy.
• Uplift team capability through coaching, deal reviews, and structured delegation frameworks.
• Own credit throughput, SLAs and conversion across the pipeline, from scenario through to settlement.
• Partner closely with Sales (BDMs/BRMs) to actively manage pipeline flow and outcomes.
• Support the Head of Lending across credit execution and team performance.
• Drive operational excellence and scale across credit processes, including automation and system utilisation.

Skills

Senior leadership

Credit decisioning

Stakeholder management

Commercial judgement

Team leadership

Policy & portfolio strategy

Job description

Bridgit is a leading non-bank lender transforming the way Australians access property equity. Purpose-built to make property transactions faster and easier, we pioneered the Buy Now, Sell Later solution - empowering homeowners to unlock their property equity and move on their terms. With a simple digital application, fast approvals, and flexible loan options, we're making property finance seamless and stress-free.

We're now five years old and making huge strides. We've accredited over three-quarters of Australia's broker network, and launched white label solutions with Australia's largest aggregators - Connective, Aussie Home Loans, Finsure, and Loan Market Group - and we're just getting started.

Our momentum has been recognised with awards including Best Growth Story at the 2025 Fintech Awards, the 2025 Finder People's Choice Award for Lending Innovation, Deloitte's Tech Fast 50 2025, and a place among LinkedIn's Top 20 Startups in Australia 2025 & 2026.

DIFFERENCE YOU'LL MAKE

This is a senior credit leadership role with dual accountability across execution and strategy. You will own the day-to-day performance of the Sydney credit function, driving fast, consistent, and commercially sound decisions while also acting as a key support to the Head of Lending in shaping credit policy, risk appetite, and product direction. This role is designed as a step into broader credit leadership, with increasing exposure to policy, portfolio management, and strategic decision-making as the business scales.

WHAT YOU'LL DO

Credit Leadership & Decisioning

• Act as a senior delegated credit authority across residential and commercial lending
• Lead high-quality decisioning on complex transactions, balancing risk and commercial outcomes
• Provide clear and consistent interpretation of credit policy
• Uplift team capability through coaching, deal reviews, and structured delegation frameworks
• Ensure strong ownership and accountability across all credit decisions

Pipeline & Performance Ownership

• Own credit throughput, SLAs and conversion across the pipeline, from scenario through to settlement
• Prioritise high-value and time-sensitive deals to maximise settlements
• Partner closely with Sales (BDMs/BRMs) to actively manage pipeline flow and outcomes
• Identify and remove bottlenecks impacting speed, conversion, and broker experience
• Drive disciplined pipeline management with accurate, real-time visibility and ownership

Key Support to Head of Business Performance

• Act as a key support to the Head of Lending across credit execution and team performance
• Own defined components of the credit function, including delegation frameworks, decision consistency, and escalations
• Step into broader leadership responsibilities as required, including cross-regional alignment
• Support the ongoing evolution of the credit operating model as the business scales
• Contribute to the design and evolution of credit policy, aligned to risk appetite and growth objectives
• Partner with senior stakeholders on new product development (e.g. residential, commercial, emerging products)
• Work with Finance and funding partners to keep lending within funder eligibility criteria and concentration limits
• Provide insights from credit trends and deal flow to inform policy, pricing, and portfolio strategy
• Play an active role in shaping how the credit function scales, including process, automation, and system improvements

Operational Excellence & Scale

• Set and enforce market-leading SLAs and turnaround times
• Standardise workflows across Sydney and Melbourne to ensure consistency and scalability
• Drive continuous improvement across credit processes, including automation and system utilisation
• Improve decision quality and consistency through QA, feedback loops, and data

Operational Excellence & Scale

• Set and enforce market-leading SLAs and turnaround times
• Standardise workflows across Sydney and Melbourne to ensure consistency and scalability
• Drive continuous improvement across credit processes, including automation, decisioning tools and system utilisation
• Improve decision quality and consistency through QA, post-settlement reviews, feedback loops and data

Leadership & Culture

• Act as the senior leader for the Sydney credit team and broader office environment
• Build a high-performance culture focused on accountability, responsiveness, and solution-orientation
• Lead by example with strong ownership, pace, and decision-making
• Partner cross-functionally (Sales, Settlements, Collections, Ops) to align credit with business objectives

WHAT WE'RE LOOKING FOR

• Deep experience across residential lending (prime + non-conforming); commercial exposure highly regarded
• Proven track record operating with high DLA and making complex credit decisions
• Strong commercial judgement with the ability to structure deals, not just assess risk
• Experience leading teams and driving performance in a fast-paced environment
• Demonstrated interest or experience in credit policy, product, or portfolio strategy
• High ownership mindset with comfort being accountable for outcomes
• Strong communication and stakeholder management skills

WHY JOIN US?

Bridgit values its team, they are the heart of how we build this business. Along with competitive remuneration, slick offices and the chance to be part of an innovative, agile fintech, we also offer:

• Extra days off: birthday leave, Kudos leave + an additional day of paid leave to be used for life events, celebrations or just a mental health reset.
• Two weeks from anywhere: swap your desk for a change of scenery and work remotely for two weeks every year.
• Training & development budget: a dedicated budget for courses, conferences and learning, plus internal learning programmes.
• Generous parental leave: time to focus on what matters most when your family grows.
• Discounted gym membership: we'll help cover the cost.
• Catered team lunches and a social calendar packed with events all year round.
• Dog-friendly Sydney HQ office with a rooftop for lunch breaks and team catch-ups.

A heads-up that because we operate in the financial services space, any offer made will be subject to successful pre-employment screening, including reference checks and a standard police check.