Head of Credit – Consumer & Digital

We’ve never been ‘just a bank’. Just like you should never be ‘just an employee’. We’re united in our belief that in banking, better can be bigger, and together we’re making it happen. It starts here. With Bendigo Bank… and you. We're an organisation embarking on a bold transformation of our Credit and Market Risk function and shift in how we operate, and we are looking for a curious, forward-thinking leader to be at the heart of it.

As the Head of Credit - Consumer & Digital, you will join a leadership cohort focused on delivering strong risk management outcomes and realizing our risk culture aspirations. This is more than a leadership role; it's a pivotal position in our journey to uplift our capability to operate at an Advanced IRB Bank level. You will be crucial in balancing traditional credit disciplines with innovative approaches, including automation and artificial intelligence, to modernize our credit decision-making and enhance portfolio management. By fostering closer alignment with our Consumer and Digital divisions, you will enable stronger relationships, data-driven insights, and value-based decisions that contribute to the Bank's enduring success.

This is a permanent position based out of our Melbourne, Bendigo, Adelaide or Sydney offices. We offer flexible work options that put our people first, working in a hybrid model with a minimum local Head Office attendance requirement determined by your Leader and that balances connection and collaboration with the rhythm that works for you.

What you’ll bring to the role:

• A curious and forward-thinking mindset with the ability to ignite potential, elevate performance, and deliver a compelling vision that challenges the status quo.
• Superior knowledge of consumer credit risk management strategies, philosophies, and techniques, including emerging best practices in automation and AI.
• Demonstrated experience in leading a Credit Risk team in a reputable financial organization, with a proven ability to develop and implement credit risk management frameworks.
• Demonstrated experience in exercising a Delegated Lending Authority.
• Highly effective engagement and leadership skills with the ability to lead and drive change at a Divisional level, building a high-performing culture that inspires diversity of thought.
• Expert knowledge of bank policies and the regulatory environment, combined with a deep commitment to developing Credit Risk capability across the division and the Bank.
• Direct exposure to regulatory processes and evolving practices, with significant knowledge of the regulatory environment in which banks operate.
• Tertiary qualifications in a related discipline are essential.

So, why work for us?

Want big impact that matters? Here, you’ll know your work directly benefits the customers and communities we all serve. You’ll also get access to a great range of benefits, including:

• Flexibility means different things for different people. Whether it’s hybrid work, flexible hours, a compressed work week, job-sharing or something different, our flexible work options are designed to put people first.
• Health and wellbeing support, including discounted gym memberships, private health insurance options, and our Employee Assistance Program (EAP) for you and your immediate family members.
• Opportunities to take your learning to the next level through our corporate university ‘BEN U’ or at an external provider of your choice.

We believe a diverse workforce supported by an inclusive culture is central to our success and we actively encourage applications from those who bring diversity of thought to our business. We support candidate requests for adjustment to accommodate an illness, injury, or disability to equitably participate in the selection process.

Still in two minds? Research suggests 60% of women and underrepresented groups might stop here, even after getting as far as drafting an application. We believe that diversity makes every team stronger, so even if you don’t tick every box we still want to see your application! We’re making better, bigger. And we’ll get there with you. Now’s the time to set your sights even higher - on the future you and the future career you deserve.