Lend smarter.
Scale faster.
End to end advisory for lenders, fintechs, financial institutions and the software companies that serve them. Strategy, technology, operations, product and growth, delivered by operators who have built and run these businesses.
Built by operators.
Not observers.
We have run lending businesses, bought their technology and built the software they run on. That breadth means we see the whole picture, from credit policy to code, and give advice that works in the real world.
Strategy and Operations
Clear strategy, sound lending operations and the policies, processes and people frameworks that let a business scale without breaking.
Strategy · Credit policy · Operating model · ComplianceTechnology and Software
Independent advice on selecting, building and implementing lending platforms. We have been both the buyer and the vendor, so we know where the risks really sit.
LOS and LMS · RFP · Build vs buy · AIProduct and Growth
Product strategy, customer experience, brand and go to market for lenders, fintechs and the software companies selling into them.
Product · Customer experience · Brand · Go to marketTen practice areas.
One engagement.
Engage us for a single practice area or bring several together. Every engagement is led by senior people who have done the work themselves.
TechnologyPlatform selection, build and implementation
Requirements, RFP, vendor evaluation, commercial negotiation and build vs buy, then client side leadership through implementation, data migration, testing and go live. Deep knowledge of the Australian and New Zealand lending platform market.
LendingLending operations
Credit policy, loan writing standards and process design from application through settlement, servicing, arrears and collections.
RiskRisk frameworks
Credit risk settings, decision rules, operational risk controls and vendor risk assessment that hold up as you grow.
ComplianceCompliance and regulation
ACL structure, NCCP and responsible lending, KYC, AML and AUSTRAC obligations, embedded in policy, process and systems.
AIAI and automation
Where AI creates real value in lending: decisioning, document processing, workflow automation and team productivity, governed responsibly.
CXCustomer experience
Customer journeys, borrower and investor portals, online applications and NPS programs that drive real improvement.
GrowthStrategy, people and delivery
Business strategy, organisational design, KPI frameworks, coaching and agile project delivery that keeps the plan on track.
DataData and reporting
Portfolio and management reporting, dashboards, data architecture and the migrations that make or break a platform change.
SalesCRM and sales process
Salesforce and HubSpot implementation built around your real process, with pipeline design, playbooks and reporting.
MarketingBrand, digital and go to market
Positioning, brand identity, websites and go to market strategy for lenders, fintechs and lending software companies.
Growth is built.
Not discovered.
Strategy, technology, people and performance, aligned. Every engagement follows the same disciplined path, and we stay in the room until the outcome lands.
Discover
Understand the current state, the real constraints and what success looks like for the business.
Define
Turn that into a clear plan, a prioritised roadmap and a business case leadership can back.
Decide
Make the big calls on strategy, structure, platforms and partners, with the evidence behind them.
Deliver
Do the work alongside your team, measure the results and embed the change so it sticks.
Strategy first. Always.
A great strategy executed well beats a perfect strategy executed poorly.
Technology enables.
Platforms work when built around the right process, people and data.
People make it work.
Capability, clarity and culture decide whether change delivers.
Process unlocks scale.
Clear policy and workflow make quality repeatable.
Measure what matters.
Clear KPIs and data driven coaching, not gut feel.
AI where it earns it.
Real value, governed responsibly.
Two decades.
Built, not studied.
The situations our team has worked in, and what was built, fixed and learned along the way. Names are withheld. The outcomes are not.
Building a lending software business from a standing start
A platform with strong New Zealand roots, almost no Australian presence and real product gaps. Ownership of product, sales, go to market and customer success: relaunching the brand, building a 15+ person team, embedding NPS and product discipline including AI, and winning government contracts on the way to market leadership.
Scaling personal lending twentyfold
Grew personal loan settlements from $50M to over $1B a year, implemented Salesforce, redesigned the sales process and supported the business through ASX listing preparation.
BNPL and cards at national retail scale
Led the merchant retail business of a major ASX listed finance company across Australia’s largest retailers, managing more than one million card customers and over $2B in annual settlements.
Running a private lender end to end
Built proprietary loan origination and management technology in code and no code, launched a portal, secured wholesale and retail funding and ran operations from application to maturity.
More than a decade inside Australian banks
Senior lending roles across two of Australia’s largest banks and a regional bank, including designing a new channel’s platform, credit policy and product suite and growing it to $60M in monthly settlements.
Recent advisory engagements
Rebrand, product roadmap and go to market for an Australian loan origination platform, and an operating model, Salesforce build and technology cost review for a private lender.
Experience reflects the combined career history of the Lend & Scale team. Client and employer names are withheld.
Operators,
not advisers.
We don’t hand over a report. We get in the room, do the work and deliver outcomes that stick.
Lend & Scale brings two decades of operator experience across Australian banking, consumer finance, fintech and lending software, delivered directly by senior people. Where an engagement needs more depth, we draw on a trusted network of technology architects, compliance specialists, CRM implementers, designers and business analysts.
Expert
Deep lending and technology knowledge built over years of industry experience.
Precise
Clear, direct communication. No jargon, no fluff. Focused on results.
Modern
A forward thinking, technology first approach to every engagement.
Trusted
A proven track record. Real outcomes for real businesses.
Let’s talk.
Lend & Scale takes on a select number of advisory engagements. If you are planning your next stage of growth, a platform decision or a business that needs fixing, we would be glad to hear what you are working on.