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About the Role

Lead the strategic direction, governance, and performance of Beyond Bank's credit assessment function for consumer and business lending. Ensure lending practices align with risk appetite, regulatory obligations, and the Financial Accountability Regime (FAR), while delivering exceptional member outcomes. Influence lending strategy, enhance credit policies, and lead initiatives to improve consistency, efficiency, and decision quality.

Responsibilities

Lead Beyond Bank's credit assessment function across consumer and business lending, ensuring high-quality, consistent, and commercially appropriate credit decisions.
Support the accountable executive responsible for credit assessment activities under the Financial Accountability Regime (FAR).
Drive excellence across the end-to-end lending lifecycle, influencing policy, assessment standards, decisioning frameworks, and operational processes.
Shape and strengthen credit governance, delegation frameworks, and lending controls.
Partner with Risk, Distribution, Operations, Product, and Technology teams to implement strategic initiatives.
Provide leadership and guidance on complex consumer and commercial lending matters.
Develop and inspire a high-performing team through coaching, succession planning, and capability uplift.
Utilize portfolio analytics, quality assurance outcomes, market trends, and lending performance insights to identify emerging risks and inform strategic decision-making.
Monitor external market developments, competitor practices, regulatory change, and emerging industry trends.
Champion continuous improvement through automation, workflow optimization, enhanced decision support tools, and data-driven insights.

Requirements

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.
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.
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.
Extensive experience in senior credit, lending, risk, or banking leadership roles.
Deep expertise in consumer and business lending, credit risk management, and credit assessment.
Strong understanding of responsible lending obligations and prudent risk practices.
Inspiring people leader who excels at coaching, developing capability, and building high-performing teams.
Combines strategic thinking with strong analytical and stakeholder management skills.
Ability to use data-driven insights to influence decisions, lead change, and drive continuous improvement.

Skills

Credit Risk Management
Lending Operations
Prudent Risk Management
Financial Accountability Regime (FAR)
NCCP
APRA Prudential Standards
ASIC Regulatory Expectations
AML/CTF Obligations
Banking Code of Practice
Responsible Lending
Stakeholder Management
Strategic Thinking
Analytical Skills
Commercial Acumen
Data-Driven Insights
Continuous Improvement
Automation
Workflow Optimization
Decision Support Tools

Location

Australia

Work Type

Full Time
Hybrid

Experience Level

Senior Leadership

Benefits

Additional 3 paid work-life balance days
Paid community volunteer days
Employee discounts
Health and wellbeing initiatives
Employee and family assistance
Flexible and diverse working environment
Career development opportunities
Training and coaching

About the Company

Beyond Bank is one of Australia's largest, 100% member-owned mutual banks with a credit union heritage.
Provides personal, business, and community banking to over 300,000 members and operates over 50 branches nationally.
Vision is to create better lives by caring for members and communities.
Certified B Corp, meeting high standards of social and environmental impact.
Uses business to drive positive outcomes that benefit members, communities, and people.
Values: Member Obsession, Empowering Communities, Shared Ambition, Championing Sustainability.
Work behaviours: Own It, Call it Out, Be Respectful, Bring Your A Game, Make A Difference, Right Things Right Way.

Equal Opportunity

Beyond Bank welcomes candidates who reflect the diversity of the communities in which we operate.
Actively encourage Aboriginal and Torres Strait Islander peoples, people living with disability, LGBTQIA+ as well as culturally diverse community members to apply for our roles.
Beyond Bank is committed to creating an accessible recruitment process and employment experience.
If you identify as a person living with disability and require adjustments to our online application, recruitment, selection and/or assessment process, or modifications for accessibility to our locations, please contact us at [email protected]