Team Leader - Consumer Lending

Responsibilities

• As Team Leader - Consumer Lending, you'll lead the performance and capability of the Consumer Credit team, ensuring high‑quality, customer‑focused credit outcomes across Personal and Motor Lending.
• You'll balance operational delivery with people leadership, escalation management, and continuous improvement, while building strong relationships across Heartland and the intermediary network.
• Lead the delivery of high‑quality credit decisions across Personal and Motor Lending, using your strong knowledge of Heartland systems and policies
• Manage day‑to‑day team operations, including queue management, workflow prioritisation, rostering, leave planning, and SLA delivery
• Act as the first point of escalation for complex credit decisions, customer complaints, and queries from Credit Managers (CMs), Relationship Managers (RMs), and introducers
• Complete Delegated Lending Authority (DLA) co‑signing and approvals
• Monitor credit quality and trends, contributing to auto‑decisioning enhancements and continuous improvement initiatives
• Build strong relationships with intermediaries, third‑party partners, and internal stakeholders to support effective risk‑reward outcomes
• Deliver regular performance reporting, ensuring results are accurate, consistent, and customer‑focused
• Lead, coach, and manage direct reports, including performance reviews, monthly one‑on‑ones, and ongoing development conversations
• Facilitate upskilling activities, workshops, and targeted training to lift team capability
• Support the onboarding and development of new starters
• Provide ad hoc operational support, including support for Auto Lending activity as required
• You'll gain
• A bit about us and what we do
• Can you see yourself here?
• Diversity & Inclusion
• Keen to learn more?
• For an insight into life at Heartland, check out our Instagram @heartlandbanknz or follow us on LinkedIn www.linkedin.com/company/heartland-bank-nz.

Requirements

• You are a confident credit professional who knows Heartland inside out and is ready to step into leadership. You make sound lending decisions under pressure, communicate clearly, and naturally support and guide others.
• You build strong relationships across the business, keep workflows moving, and stay calm when things get busy. You are improvement‑minded, customer‑focused, and consistently model Heartland's values while lifting the performance and culture of the team.

Additional Information

Team Leader - Consumer Lending Our Consumer Credit team plays a critical role in delivering great outcomes for our customers and intermediaries. As Team Leader, you'll guide a team of Credit Managers, support operational excellence, and help drive continuous improvement across our lending processes. This is a key leadership role for someone eager to learn the Heartland business and take the next step in their leadership career.

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