Head of Credit

Profusion PAC Pty Ltd; Sydney; On-site; AUD 180,000 - 240,000; Full time

Benefits offered by this job

Performance incentive

Job summary

Profusion PAC Pty Ltd in Sydney is seeking a Head of Credit to lead the credit function across a diversified commercial real estate lending portfolio, including construction, development, investment and structured lending. You will shape risk appetite, policy and underwriting standards, acting as the independent voice of credit within the business.

Working with executive leadership and investment stakeholders, you’ll oversee risk management, portfolio quality, governance forums and

Qualifications

• Strong credit risk, underwriting and portfolio management experience.
• Expertise across complex transaction structuring and documentation.
• Experience operating within delegated authority and credit committee environments.

Responsibilities

• Lead credit assessment and decision-making across complex property transactions.
• Provide independent oversight across structuring, underwriting and approvals.
• Oversee portfolio risk, concentration, stress testing and early-warning frameworks.
• Drive credit policy, governance and risk management standards.
• Lead or contribute to restructures, workouts and special situations.
• Partner with origination, portfolio management and executive stakeholders.
• Present recommendations to senior governance forums.
• Lead and develop the credit and portfolio management capability.

Skills

Credit risk

Underwriting

Portfolio management

Transaction structuring

Stakeholder leadership

Job description

Competitive Remuneration + Performance Incentive

The Opportunity This is a rare opportunity for an experienced credit leader to take a principal role with genuine influence across credit risk, transaction structuring, portfolio oversight and governance within an established commercial real estate private credit business.

Working closely with executive leadership and investment stakeholders, you'll act as the independent voice of credit across a diversified commercial real estate debt portfolio spanning construction, development, investment and structured lending.

You'll have significant influence over credit decisions, portfolio quality and risk strategy, with the opportunity to shape credit appetite, policy and underwriting standards while working alongside experienced lending and investment leaders.

For a senior credit professional seeking greater impact and autonomy, this is an opportunity to play a meaningful role in the growth and performance of an established lending platform.

The Role As Head of Credit, you will lead the credit function and oversee risk management across a sophisticated commercial real estate lending portfolio.

Key responsibilities include:

• Lead credit assessment and decision-making across complex property transactions.
• Provide independent oversight across structuring, underwriting and approvals.
• Oversee portfolio risk, concentration, stress testing and early-warning frameworks.
• Drive credit policy, governance and risk management standards.
• Lead or contribute to restructures, workouts and special situations.
• Partner with origination, portfolio management and executive stakeholders.
• Present recommendations to senior governance forums.
• Lead and develop the credit and portfolio management capability.

About You You are a senior credit professional with deep expertise across commercial real estate, construction, development finance, private credit or structured lending.

You will bring:

• Strong credit risk, underwriting and portfolio management experience.
• Expertise across complex transaction structuring and documentation.
• Experience operating within delegated authority and credit committee environments.
• Sound judgement managing portfolio risk and challenged exposures.
• The ability to influence senior stakeholders and lead high-performing teams.
• Strong knowledge of Australian commercial real estate markets.

Most importantly, you bring the credibility, judgement and independence to make difficult credit decisions while balancing risk and commercial outcomes.

Remuneration A competitive executive package comprising base salary, superannuation and performance-based incentive will be offered commensurate with the seniority and experience of the successful candidate. The broader remuneration structure will be discussed confidentially with shortlisted candidates.

We are committed to providing a supportive culture and positively contributing towards creating diverse and inclusive workplaces for our candidates & clients. We invite candidates of all ages, genders, sexual orientations, cultural backgrounds, people with disability, neurodiverse individuals, and Indigenous Australians to apply.