Head of Member Credit Assessment

• Work from any one of our corporate offices around Australia
• Full time

Beyond Bank is one of Australia's largest, 100% member-owned mutual banks with a credit union heritage. We provide personal, business and community banking to more than 300,000 members and operate over 50 branches nationally.

Our vision is to create better lives by caring for our members and communities.

Beyond Bank is a Certified B Corp, meeting high standards of social and environmental impact. We are proud to use our business to drive positive outcomes that benefit our members, communities and people.

Our values of Member Obsession, Empowering Communities, Shared Ambition and Championing Sustainability are integral to all that we do and are the standards to which we hold ourselves. The way we work is also demonstrated by the behaviours that we are accountable to uphold: Own It, Call it Out, Be Respectful, Bring Your A Game, Make A Difference and Right Things Right Way.

Job Description

The role

As Head of Member Credit Assessment, you will lead the strategic direction, governance and performance of Beyond Bank's credit assessment function across consumer and business lending. Accountable for the quality and integrity of credit decisioning, you will ensure lending practices align to Beyond Bank's risk appetite, regulatory obligations and the Financial Accountability Regime (FAR), while delivering exceptional member outcomes.

Working closely with stakeholders across Risk, Operations, Product and Technology, you'll influence lending strategy, enhance credit policies and processes, and lead initiatives that improve consistency, efficiency and decision quality. You'll also play a critical role in developing team capability, supporting complex lending decisions and using data-driven insights to optimise performance, manage risk and support sustainable growth.

You will provide leadership across credit assessment operations, credit governance, lending policy and capability development, ensuring robust credit risk management throughout the end-to-end lending lifecycle. Leveraging portfolio insights, market intelligence and emerging industry best practice, you will influence lending strategy, optimise assessment frameworks and drive continuous improvement to support sustainable growth, operational efficiency and prudent risk management.

In this role, you will

• 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.

Qualifications

About you

• 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.

See yourself in our team

Join a high-performing team dedicated to delivering exceptional member experiences. You'll have the opportunity to help shape the future of credit assessment at Beyond Bank, balancing commercial success with prudent risk management and a member-first mindset.

Additional Information

Why work for Beyond Bank?

We welcome candidates who reflect the diversity of the communities in which we operate. We 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 recruitment@beyondbank.com.au

There are even more benefits:

• Additional 3 paid work-life balance days
• Paid community volunteer days to support community organisations across Australia
• Access to employee discounts, health and wellbeing initiatives, employee and family assistance, plus more
• A flexible and diverse working environment
• Career development opportunities, training and coaching

By joining Beyond Bank, you will have the opportunity to work alongside talented professionals who will support and encourage you to achieve your full potential. If you are passionate about people and want to make a difference, we would love to hear from you.

What does our recruitment process look like?
The process can include a phone screen, video screen, virtual or face-to-face interview, psychometric testing, and all relevant background checking. Some positions may require undergoing 4 weeks of mandatory full training.

To find out more about Beyond Bank visit beyondbank.com.au

As a Certified B Corp, we use our business as a force for good.

By applying for this opportunity you are providing consent for Beyond Bank Australia to conduct all pre-employment screening checks (APRA, ASIC, Bankruptcy, National Criminal History Check, VEVO, Adverse Media Check and Reference Checks) at the expense of Beyond Bank Australia.

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