Chief Lending Ops & AI Transformation

Constantinople; Sydney; On-site; AUD 220,000 - 340,000; Full time

Job summary

Constantinople, Sydney, seeks a Head of Lending to own end-to-end lending operations across mortgages, vehicle loans and business lending for client banks. You will manage the operating model, AI/automation roadmap, and control framework, ensuring regulatory obligations and audit readiness while driving efficiency and accuracy.

You will lead a team of four direct reports and 30-45 staff, coordinating with product, engineering, and client executives to deliver reliable lending services and

Qualifications

• 10+ years in Australian lending operations, with 5+ years in leading multi-team functions.
• Deep knowledge of residential mortgage lifecycle from origination to post-settlement.
• First-line accountability for lending control environment, with NCCP/RG 209, APS 220, AML/CTF and privacy in practice.
• Track record of leading operational transformation, AI adoption, or platform migration with measurable outcomes.
• Comfortable with executives and regulated-entity stakeholders.
• Experience managing major third-party relationships and SLA remediation.
• Experience in BaaS or outsourced servicing is a plus.
• Exposure to non-standard lending products (reverse mortgage, business lending) is a plus.

Responsibilities

• Own end-to-end lending operating model across origination, variations, and post-settlement across multiple channels.
• Set service levels for turnaround times, first-time-right rates, queue aging, and report to client committees.
• Manage capacity and workforce planning against pipeline forecasts and seasonal volume.
• Drive cost-to-process down through AI and straight-through processing without weakening controls.
• Own AI and automation roadmap for lending operations and evidence uplift in turnaround, accuracy, and experience.
• Own lending control framework as first-line risk owner for processes, verification, fraud, delegated authority, and audit trails.
• Ensure compliance with NCCP, RG 209, APS 220, AML/CTF and privacy requirements.
• Own incidents and breaches end-to-end: containment, root cause, remediation, and reporting.
• Approve SOPs, delegated authority, and process changes; maintain audit-ready documentation.
• Act as relationship owner for client banks and translate policy into executable processes.
• Partner with Product and Engineering on roadmap, prioritising AI capabilities to reduce manual effort.
• Lead operational readiness for new client go-lives and migrations.
• Oversee vendor portfolio and governance with performance, SLAs, fee reconciliation, and APRA obligations.
• Lead, coach, and develop four direct reports and a 30-45 person team; build bench strength.
• Set a performance and quality culture with early issue surfacing and accountability.

Skills

Lending ops leadership

Team leadership

NCCP compliance

AI automation

Vendor management

Mortgage lifecycle

Data-driven decisions

Regulated entities

Job description

Constantinople, Sydney, seeks a Head of Lending to own end-to-end lending operations across mortgages, vehicle loans and business lending for client banks. You will manage the operating model, AI/automation roadmap, and control framework, ensuring regulatory obligations and audit readiness while driving efficiency and accuracy.

You will lead a team of four direct reports and 30-45 staff, coordinating with product, engineering, and client executives to deliver reliable lending services and