Our market
Two ecosystems,one talent pool,rewriting itself.
$0B
Australian commercial banking market, 2025
0
Non-depository lenders operating in Australia
0
Australian-owned ADIs in Australia
0%
Non-ADI mortgage volume growth in 2025
See how this market shapes the roles we recruit.
Originate. Underwrite. Build. Every lender, bank or non-bank, wins and loses on the strength of these three teams. They're the only teams we recruit for.
01 · Distribution
Sales & Relationship Management
The commercial heart of any lender. BDMs, RMs and distribution leaders who own broker channels and own the number.
$140k
Average BDM base salary range across Australia
30% - 40%
Top non-bank bonus structures in market
5 years
Average experience of brokers before role transition
Roles we recruit
02 · Credit
Credit & Lending Analysts
The judgement function. Analysts and credit leaders who can structure and decision, not just box-check.
$160k+
Senior private credit / non-conforming roles
60%
Productivity uplift from AI-assisted underwriting
30%
Faster decisioning across automated workflows
Roles we recruit
03 · Engineering
Software & Technology
The platform underneath. Engineers and product technologists building the modern lending stack, and modernising the old one.
+27%
Projected growth in AU software roles by 2027
5x
AI increase in spend by 2030 in Australian lending
80%
of Australian lenders now prioritise Open Banking
Roles we recruit
Banks
Scale, trust and the weight of legacy.
The Big Four still anchor an estimated AUD $347 billion commercial banking market, projected to grow at roughly 4% CAGR through 2035.
Higher rates from 2022 widened net interest margins, but the expiry of cheap term funding and an intensely competitive mortgage market have since compressed profitability and forced the majors to justify their scale through service quality and innovation.
Talent demand inside the majors is sharpest in lending, compliance and technology; the functions tied most directly to growth, regulatory expectation and digital resilience.
Non-banks
Faster, flatter, fighting for share.
Non-bank lending has matured from fringe alternative to systemically important. Around 522 businesses now operate in the space.
Growth is driven by the Big Four's retreat from complex segments: self-employed borrowers, SMEs, investors using trust and SMSF structures, non-standard income. A decade ago, ~7% of small businesses considered a non-bank lender. Today more than half plan to use one.
For talent, the appeal is concrete: leaner organisations, modern technology stacks, broader remits, faster decisions, and remuneration structures designed to compete head-on with the banks they're taking share from.