Head of Member Credit Strategy & Risk

Bey; Australia; On-site; AUD 180,000 - 240,000; Full time

Benefits offered by this job

3 paid work-life balance days

Paid community volunteer days

Employee discounts and wellbeing

Flexible working environment

Career development and coaching

Job summary

Beyond Bank is seeking a strategic Head of Member Credit Assessment to lead the governance and performance of the credit assessment function across consumer and business lending. You will ensure high-quality, compliant credit decisions aligned to risk appetite, FAR requirements and regulatory obligations.

You will work with Risk, Operations, Product and Technology to enhance policies, analytics and processes, driving efficiency, decision quality and sustainable growth while developing a

Qualifications

• Significant senior leadership experience in credit risk, lending, credit assessment or banking operations within a regulated financial services environment.
• Deep expertise across consumer, commercial and business lending, including credit assessment, credit risk management, lending operations and prudent risk management practices.
• Strong understanding of Financial Accountability Regime (FAR) obligations, accountability frameworks and executive governance responsibilities.
• Demonstrated experience influencing lending strategy, credit policy, decisioning frameworks and operational performance.
• Extensive knowledge of NCCP, APRA prudential standards, ASIC regulatory expectations, AML/CTF obligations, Banking Code of Practice and responsible lending requirements. You possess strong knowledge of regulatory and compliance requirements and industry codes, with the ability to apply these in a practical and commercially sound way.
• Proven ability to lead complex credit functions while balancing commercial outcomes, member experience and risk management objectives.
• Strong understanding of market dynamics, competitor lending practices and emerging industry trends, with the ability to translate insights into strategic and operational improvements.
• Highly developed stakeholder management capabilities, with the ability to influence executive leaders, regulators and cross-functional teams.
• Strategic thinker with strong analytical and commercial acumen, capable of using portfolio, risk and market insights to drive informed decision-making and sustainable growth.
• You bring extensive experience in senior credit, lending, risk or banking leadership roles, with a strong track record of delivering outcomes within a regulated financial services environment.
• You have deep expertise in consumer and business lending, credit risk management and credit assessment, coupled with a strong understanding of responsible lending obligations and prudent risk practices.
• You're an inspiring people leader who excels at coaching, developing capability and building high-performing teams that deliver exceptional results and member outcomes.
• You combine strategic thinking with strong analytical and stakeholder management skills, using data-driven insights to influence decisions, lead change and drive continuous improvement.

Responsibilities

• Lead Beyond Bank's credit assessment function across consumer and business lending, ensuring high-quality, consistent and commercially appropriate credit decisions that balance growth, member outcomes and risk appetite.
• Support the accountable executive responsible for credit assessment activities under the Financial Accountability Regime (FAR), ensuring appropriate governance, controls, oversight and escalation processes are in place and operating effectively.
• Drive excellence across the end-to-end lending lifecycle, influencing policy, assessment standards, decisioning frameworks and operational processes to improve quality, efficiency and member experience.
• Shape and strengthen credit governance, delegation frameworks and lending controls to ensure compliance with regulatory obligations, internal policy requirements and industry best practice.
• Partner with Risk, Distribution, Operations, Product and Technology teams to implement strategic initiatives that enhance lending capability, support growth objectives and improve operational performance.
• Provide leadership and guidance on complex consumer and commercial lending matters, supporting sound credit judgement, risk management and consistent decision-making across the organisation.
• Develop and inspire a high-performing team through coaching, succession planning and capability uplift, fostering a culture of accountability, continuous improvement and credit excellence.
• Utilise portfolio analytics, quality assurance outcomes, market trends and lending performance insights to identify emerging risks, inform strategic decision-making and optimise credit outcomes.
• Monitor external market developments, competitor practices, regulatory change and emerging industry trends to ensure Beyond Bank maintains contemporary and competitive credit assessment practices.
• Champion continuous improvement through automation, workflow optimisation, enhanced decision support tools and data-driven insights that improve turnaround times, quality and operational efficiency.

Skills

Senior leadership

Credit risk leadership

Lending operations

Stakeholder management

Data-driven decisioning

Job description

Beyond Bank is seeking a strategic Head of Member Credit Assessment to lead the governance and performance of the credit assessment function across consumer and business lending. You will ensure high-quality, compliant credit decisions aligned to risk appetite, FAR requirements and regulatory obligations.

You will work with Risk, Operations, Product and Technology to enhance policies, analytics and processes, driving efficiency, decision quality and sustainable growth while developing a