Director, Customer Credit

Judo Bank; Sydney; Hybrid; AUD 140,000 - 180,000; Full time

Benefits offered by this job

Two Weeks of Additional Leave Every –

Paid Volunteer Leave

Judo induction experience

Big Life Event Leave

Holistic Health & Wellbeing Offerings

Working from Home Setup Allowance

Flare Benefits & Discounts

Freedom to work flexibly with hybrid

Parental Leave – up to 20 weeks

Education Assistance

Job summary

Judo Bank is recruiting for a Credit Risk professional to lead thoughtful credit assessments and robust decision making in our SME lending portfolio. You’ll partner with Directors, Analysts and frontline teams to strengthen risk capability and support growth for Australian SMEs.

You will drive practical credit solutions, mentor colleagues, and keep a close eye on economic trends to inform policy and process improvements, while thriving in a collaborative, team‑oriented culture that values

Qualifications

• Minimum 5 years’ experience in credit decisioning of business lending transactions in Regional Commercial.
• A passion for empowering and supporting businesses to help communities thrive.
• Collaborative mindset in a team‑first environment where risk and relationship work together to deliver tailored funding solutions.
• Previous experience in a relationship role (i.e., Analyst, Relationship Manager/Director).
• Ability to think independently about the finance needs of businesses and structure them in a common‑sense way without the need to rely on a rigid policy framework.
• Strong business acumen paired with clear and effective credit writing skills.

Responsibilities

• Conduct thoughtful and rigorous credit assessment and decision making to support Judo’s business lending activities.
• Coach and uplift Director Relationships and Analysts, helping to strengthen credit risk capability across the team.
• Stay curious about the broader economic landscape and understand how market shifts impact Australian businesses.
• Play an active role in enhancing Judo’s proposition by contributing to ongoing improvements in our policies, processes, and systems.

Skills

Credit decisioning

Business lending

Regional Commercial

Stakeholder collaboration

Job description

At Judo, we’re redefining business banking for the modern era. Built on teamwork, trusted relationships and a challenger spirit, we exist to better serve Australian SMEs. What began in 2016 as a bold idea has grown into one of the fastest‑growing new banks globally, with more than 30 locations nationwide.

We put our people and customers at the heart of everything we do. Our agility means we can say ‘yes’ when others say ‘no’, delivering personalised banking that helps businesses access the funding they need, when they need it. Relationships matter here – with our customers and with each other.

Our culture – a multi‑award‑winning place to work

We firmly believe that culture eats strategy for breakfast, lunch, and dinner and that the most important investment we can make is in our people. Our values of Trust, Teamwork, Accountability and Performance guide how we work every day

Judo was built from the ground up with a clear purpose: to be the most trusted SME business bank in Australia. Our customers and relationships are at the heart of how we work, not bureaucracy. We think differently, invite new ideas, and create an environment where people feel they belong and are empowered.

We’re proud to be externally recognised too – including being named on the AFR BOSS Best Places to Work list for four consecutive years. We are certified as a Great Place To Work® Australia organisation, being recognised as one of Australia’s Best Workplaces™ 2025, celebrating our dedication to fostering an inclusive, empowering environment.

Our vision is to build a world‑class SME business bank and it’s our people that can make it happen.

Job Description

Now, about this opportunity…

In this role, you’ll play a key part in our Credit Risk function, helping us deliver thoughtful and rigorous credit assessment and decision making to support Judo’s business lending. You’ll work closely with Director Relationships, Analysts, and broader frontline teams, contributing to outcomes that genuinely support Australian SMEs and strengthen Judo’s continued growth.

If that excites you, this just might be your dream job:

• Conduct thoughtful and rigorous credit assessment and decision making to support Judo’s business lending activities.
• Coach and uplift Director Relationships and Analysts, helping to strengthen credit risk capability across the team.
• Stay curious about the broader economic landscape and understand how market shifts impact Australian businesses.
• Play an active role in enhancing Judo’s proposition by contributing to ongoing improvements in our policies, processes, and systems.

Qualifications

You’ll likely bring:

• Minimum 5 years’ experience in credit decisioning of business lending transactions in Regional Commercial
• A passion for empowering and supporting businesses to help communities thrive
• A collaborative mindset, with the ability to operate effectively in a team first environment where risk and relationship work together to deliver tailored funding solutions
• Previous experience in a relationship role (i.e., Analyst, Relationship Manager /Director)
• An ability to think independently about the finance needs of businesses and structure them in a common‑sense way without the need to rely on a rigid policy framework
• Strong business acumen paired with clear and effective credit writing skills.

Additional Information

Why you’ll love working at Judo:

• Two Weeks of Additional Leave Every Year
• Paid Volunteer Leave
• Our signature Judo induction experience
• Big Life Event Leave
• Holistic Health & Wellbeing Offerings designed to support your best life, including access to GPs, nutritionists, coaches and psychologists via our partner, CU Health
• Working from Home Setup Allowance
• Flare Benefits & Discounts - access to a wide range of everyday savings and perks
• Freedom to work flexibly with flexible work options including hybrid working
• Equal access to Company Paid Parental Leave – up to 20 weeks
• Education Assistance

Judo is proud to be an inclusive workplace where everyone is valued and can feel that they belong. We welcome applications from people of all backgrounds, experiences and identities.

To learn more about how Judo manages your personal information during the recruitment process, please refer to our Privacy Statement. By providing your information, you consent to its collection, use, disclosure and management as outlined.

Please no agencies! We maintain a preferred panel, and kindly request no unsolicited contact. We do not hold any responsibility for dispute over candidate ownership if you have not been engaged directly.