Associate Director - Credit

About the role

Bridgit, a non-bank lender helping Australians access property equity, is hiring an Associate Director of Credit in Sydney. This is a senior credit leadership role with dual accountability: owning the day-to-day performance of the Sydney credit function and supporting the Head of Lending on credit policy, risk appetite and product direction. It is designed as a step into broader credit leadership.

Key responsibilities

• Act as a senior delegated credit authority across residential and commercial lending, lead decisioning on complex transactions and give a clear, consistent interpretation of credit policy
• Coach the team, run deal reviews and set up structured delegation frameworks
• Own credit throughput, SLAs and conversion, prioritise high-value deals and work with Sales to manage pipeline flow
• Support the Head of Lending on credit execution, delegation, escalations and cross-regional alignment
• Help design credit policy, partner on new product development and work with Finance and funders on eligibility and concentration limits
• Shape the scaling of the credit function, including process, automation and systems
• Set and enforce SLAs, standardise workflows across Sydney and Melbourne, and improve decision quality through QA, feedback loops and data
• Lead the Sydney credit team and partner with Sales, Settlements, Collections and Ops

Required profile

• Deep experience in residential lending (prime and non-conforming); commercial exposure highly regarded
• Proven track record with high DLA and complex credit decisions
• Strong commercial judgement and experience leading teams in a fast-paced environment
• Demonstrated interest or experience in credit policy, product or portfolio strategy
• Strong ownership, communication and stakeholder management skills

What we offer

• Extra days off: birthday leave, kudos leave and an additional day of paid leave for life events
• Two weeks of remote work per year
• Training and development budget plus internal learning programmes
• Generous parental leave and discounted gym membership
• Catered team lunches, a social calendar and a dog-friendly Sydney office