Associate Director - Credit

Associate Director - Credit About Us 🚀 Bridgit is a leading non-bank lender transforming the way Australians access property finance. Purpose-built to make property transactions faster and easier, we pioneered the Buy Now, Sell Later solution – empowering homeowners to unlock their property equity and move on their terms. With a simple digital application, fast approvals, and flexible loan options, we’re making property finance seamless and stress-free. We’re now five years old and making huge strides. We have accredited over three quarters of Australia’s broker network, and launched white label solutions with Australia’s largest aggregators – Connective, Aussie Home Loans, Finsure, and Loan Market Group – and we’re just getting started. Our momentum has been recognised with awards such as Best Growth Story at the 2025 Fintech Awards, 2025 Finder People’s Choice Award for Lending Innovation, the finalist for Excellence in Lending (Business & Consumer) at the 2025 Finnies, Deloitte's tech fast 50 2025 and finally; being recognised as one of LinkedIn’s top 20 Start Up’s in Australia 2025. The difference you’ll make This is a senior credit leadership role with dual accountability across execution and strategy. You will own the day-to-day performance of the Sydney credit function, driving fast, consistent, and commercially sound decisions while also acting as a key support to the Head of Lending in shaping credit policy, risk appetite, and product direction. This role is designed as a step into broader credit leadership, with increasing exposure to policy, portfolio management, and strategic decision-making as the business scales. What you’ll do Credit Leadership & Decisioning Act as a senior delegated credit authority across residential and commercial lending Lead high-quality decisioning on complex transactions, balancing risk and commercial outcomes Provide clear and consistent interpretation of credit policy Uplift team capability through coaching, deal reviews, and structured delegation frameworks Ensure strong ownership and accountability across all credit decisions Pipeline & Performance Ownership Own credit throughput, SLAs, and conversion across the pipeline (scenario → settlement) Prioritise high-value and time-sensitive deals to maximise settlements Partner closely with Sales (BDMs/BRMs) to actively manage pipeline flow and outcomes Identify and remove bottlenecks impacting speed, conversion, and broker experience Drive disciplined pipeline management with accurate, real-time visibility and ownership 2IC to Head of Lending Act as a key support to the Head of Lending across credit execution and team performance Own defined components of the credit function, including delegation frameworks, decision consistency, and escalations Step into broader leadership responsibilities as required, including cross-regional alignment Support the ongoing evolution of the credit operating model as the business scales Strategy, Policy & Product Contribute to the design and evolution of credit policy, aligned to risk appetite and growth objectives Partner with senior stakeholders on new product development (e.g. residential, commercial, emerging products) Provide insights from credit trends and deal flow to inform policy, pricing, and portfolio strategy Play an active role in shaping how the credit function scales, including process, automation, and system improvements Operational Excellence & Scale Set and enforce market-leading SLAs and turnaround times Standardise workflows across Sydney and Melbourne to ensure consistency and scalability Drive continuous improvement across credit processes, including automation and system utilisation Improve decision quality and consistency through QA, feedback loops, and data Leadership & Culture Act as the senior leader for the Sydney credit team and broader office environment Build a high-performance culture focused on accountability, responsiveness, and solution-orientation Lead by example with strong ownership, pace, and decision-making Partner cross-functionally (Sales, Settlements, Collections, Ops) to align credit with business objectives What we are looking for Deep experience across residential lending (prime + non-conforming); commercial exposure highly regarded Proven track record operating with high DLA and making complex credit decisions Strong commercial judgement with the ability to structure deals, not just assess risk Experience leading teams and driving performance in a fast-paced environment Demonstrated interest or experience in credit policy, product, or portfolio strategy High ownership mindset with comfort being accountable for outcomes Strong communication and stakeholder management skills Our Culture and Benefits Bridgit values its team, they are the heart of how we build this business. Along with competitive remuneration, slick offices and the chance to be part of an innovative, agile fintech, we also offer: Extra Leave – We offer birthday leave + an additional day of paid leave to be used for life events, celebrations, or just a mental health reset. Two Weeks from Anywhere – We encourage employees to work remotely from a location of their choice for two weeks each year. Learning and Development – All employees are encouraged and empowered to engage in professional development, including a number of learning initiatives run internally. Social Events – We have a jam-packed social scene, with events throughout the year to bring the team together! Ready to Make an Impact? If you're passionate about transforming lending and want to join a team that values fresh thinking and real impact, we’d love to hear from you. Apply now and help shape the future of finance! 🚀 A heads-up that because we operate in the financial services space, any offer made will be subject to successful pre-employment screening, including reference checks and a standard police check. Department Credit Team Role Senior Credit Analyst Locations Sydney Remote status Hybrid