Job Description

• Own CarStart Finance's auto-lending operations, driving strategic growth and continuous business innovation.
• Sydney or Brisbane Location - Flexible hybrid work options for better work life balance
• Enjoy a competitive salary with bonus incentives.

As the Head of Auto Lending, you’ll take full ownership of CarStart Finance’s diverse, multi-site operations, driving revenue, profit, and brand reputation. Your strategic leadership will drive a high-performance culture, empowering teams to exceed in vehicle loan underwriting, auto-site management and outstanding service delivery. This is a broad, commercially focused role that combines operational oversight with strategic thinking and execution.

Leveraging your deep broker network and auto lending experience, you’ll partner with stakeholders to grow market share and embed best practices. Combining commercial acumen with operational excellence, you will champion continuous improvement and innovative solutions across the business. If you’re a proven, people-focused leader ready to drive success in our auto lending business, we want to hear from you!

Key Responsibilities:

• Lead and optimise diverse operations, managing resources and reporting frameworks to consistently exceed revenue and profit targets.
• Execute strategic sales plans, manage the opportunity pipeline and cultivate strong, ongoing partnerships to accelerate market share growth.
• Optimise underwriting processes for speed and accuracy while ensuring strict adherence to NCCP, ASIC regulatory guidelines, Privacy legislation and other applicable regulations.
• Oversee vehicle acquisition, pricing and stock quality across sites in compliance with the Motor Dealer’s Act and manage supplier relations.
• Set targets and build a high-performance coaching culture that drives team capability, accountability and engagement.

What We’re Looking For:

• Extensive auto-lending and automotive industry experience, with advanced knowledge of consumer loan programs and the credit lifecycle.
• Proven expertise in assessing customer financial capacity and demonstrated commercial acumen, supported by strong financial modelling and critical thinking to structure viable, profitable loan programs
• Outstanding communication and interpersonal skills to build strong relationships and influence key stakeholders.
• Demonstrated experience in project and change management.
• Strong resilience and determination, with a proven ability to manage complex priorities and solve problems under pressure.

What’s In It for You?

We offer a range of benefits, including wellbeing support through EAP and gym discounts, flexible hybrid working and a strong focus on work life balance health insurance benefits, novated leasing options, member rates for car share providers, a relaxed dress code and complimentary breakfast snacks and fresh fruit in the office

About Us

Credit Corp is Australia's largest provider of sustainable financial services to the credit-impaired consumer segment. We are an ASX-listed company with over 2200 staff in multiple locations in Australia, New Zealand, the USA, and the Philippines. We work closely with regulators to provide sustainable financial solutions with the objective of improving our customers’ circumstances as a pathway to mainstream financial inclusion.

The diversity of our people is core to our ability to innovate, grow and achieve great outcomes for our people, customers, shareholders, and the community. We are committed to our inclusive and diverse workplace through attracting and retaining a workforce that reflects the community. We encourage applications from all culturally diverse backgrounds.

We are also committed to improving employment opportunities for Aboriginal and Torres Strait Islander peoples and we encourage applicants from Aboriginal and Torres Strait Islander descent to apply.