Head of Mortgages

About the role

Bridgit, a non-bank lender helping Australians access property equity, is expanding its mortgage suite and is looking for a Head of Mortgages. You will own the products and how they are priced, from identifying market gaps and designing new products to running the rate card, the Pricing Committee and pricing performance across new originations and the existing book.

Key responsibilities

• Lead the identification, design and launch of new mortgage solutions, balancing market opportunity, commercial outcomes and unit economics, and own end-to-end pricing including rate card build, loading derivation and NIM modelling
• Own pricing across the full suite (Residential Bridging, Commercial Bridging, ERHL and new products) and the pricing infrastructure: Rate Card Master, Pricing Discretion Register, borrower persona matrix and archetype framework
• Run the Pricing Committee: prepare and circulate memos, run unit economics checks (NIM waterfall, contribution margin, floor gap analysis) and drive implementation of decisions
• Measure pricing effectiveness: front-book conversion by rate point, pull-through by broker cohort, lost deals and volume response, and set up back-book analytics such as yield drift, repricing opportunities and discharge economics
• Build and maintain competitive intelligence on rates, credit policy, product launches, channel strategy and broker commissions, and turn it into actionable insights
• Maintain governance over pricing decisions and approvals, document them and ensure compliance with NCCP obligations and funding partner expectations
• Work with Credit on risk and credit settings, with Product and Tech on automated pricing tools, and with Marketing on broker-facing positioning and campaign rollouts

Required profile

• 10+ years in mortgage product, pricing or portfolio analytics within an Australian non-bank lender, bank or mortgage aggregator
• Demonstrated experience owning or operating a rate card, loading matrix or Pricing Committee process
• Strong commercial judgement and proven experience turning strategy into operational processes and digital tools
• Structured written output suitable for committee and executive audiences, and a collaborative track record with CEOs, COOs, finance and technology teams

Required skills

• Strong command of IRR, NIM waterfall, contribution margin and floor gap mechanics
• Solid understanding of Australian consumer credit regulation, NCCP and responsible lending obligations

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 with a rooftop