Lend & Scale · Australia

Lend Smarter.
Scale Faster.

Focused. Digital. Growth.

End-to-end advisory for companies, lenders, fintechs and financial institutions ready to grow, innovate and lead.

20+ years across Major Banks Mutual ADIs Non-Bank Lenders Private Lenders Product Brokers Fintechs SaaS

“Real experience getting from zero to one in a start-up and scaling to a billion dollar company. Lend & Scale allows me to share insights and methods that drive companies, culture and products to record growth, while still managing the real risk that comes in bringing scale in finance and technology in Australian financial services.”

Lee Slattery — Founder & Principal, Lend & Scale

12 Practice Areas.
One Engagement.

From credit policy to CRM, private lending to product development — across the full lending and fintech lifecycle.

01
Lending & Credit Strategy
Credit policy, private lending operations, investor management, broker channel, compliance.
Private LendingInvestor MgmtNCCP
02
Technology & Platform
LOS/LMS selection, implementation oversight, technology roadmaps and vendor advisory.
LOS/LMSPlatform SelectionRoadmap
03
CRM & Sales Tools
Salesforce and HubSpot implementation, sales playbooks, pipeline design and coaching.
SalesforceHubSpotPlaybooks
04
People & Culture
Org design, KPI frameworks, incentive structures, recruitment and performance management.
KPIsIncentivesCoaching
05
Product
Product management, roadmaps, new product launches and market fit advisory.
RoadmapAgileNPS
06
Marketing & Growth
GTM strategy, brand, LinkedIn campaigns, paid and organic marketing.
GTMLinkedInBrand
07
Project Delivery
Agile project management, cross-functional leadership, major implementations.
AgileCross-functional
08
Business Analysis
Process mapping, requirements gathering, system analysis and future-state design.
Process MappingRequirements
09
RFP & Software Selection
RFP preparation, vendor evaluation, selection advisory and implementation planning.
RFPAU Market
10
Customer Success & NPS
NPS programs for lenders, brokers and merchants — and programs that use the data.
NPSCSAT
11
AI & Automation
AI strategy, embedding AI in lending operations, workflows and team productivity.
AI StrategyAutomation
12
Brand & Digital Build
Websites, borrower/broker/investor portals, application forms and lending platforms.
PortalsWebsites

Real Engagements.
Real Results.

Names withheld by agreement. The outcomes are not.

Consumer Finance · Broker Scale
$50M to $1B in Personal Loan Settlements
Scaled the broker channel for personal lending 20x in a competitive market.
$1B+
Annual settled loans
20×
Growth from $50M
ASX
Listing prep support

Led broker channel, partnerships, team structure and performance. Scaled to $1B+ in annual settled personal loans through broker channel leadership and operational discipline.

Private Lender · Current
Broker Channel, Salesforce & Investor Management
A private lender with strong deal flow but no process, broker program or scalable technology.
$300K
Annual cost saving target
CRM
Salesforce full build
Broker
Channel launched

Credit policy, Salesforce implementation, investor management replacement strategy and broker accreditation framework — with quality broker introductions from our network.

What We’re
Thinking.

Posts direct from Lee’s LinkedIn feed — lending, technology, growth and the Australian financial services market.

    Lend smarter.
    Scale faster.

    Independent. Experienced. Outcomes-focused.

    What We Do

    Every engagement at Lend & Scale is led by practitioners who have built and run lending businesses. We don't hand over a report. We get in the room, do the work and deliver outcomes that stick.

    01
    Lending & Credit Strategy
    Credit policy, private lending operations, investor management, broker channel and compliance. We've built and run these businesses — we don't just advise on them.
    Credit PolicyPrivate LendingInvestor MgmtBroker Channel
    02
    Technology & Platform
    LOS/LMS selection, implementation oversight, technology roadmaps and vendor advisory. We've been on both sides — as the buyer and as the vendor. That knowledge is rare and valuable.
    LOS/LMSPlatform SelectionImplementationRoadmap
    03
    CRM & Sales Tools
    Salesforce and HubSpot implementation, sales playbooks, pipeline design and sales coaching. We implement CRM around your actual sales process — not a generic template.
    SalesforceHubSpotSales PlaybooksCoaching
    04
    People & Culture
    Organisational design, KPI frameworks, incentive structures, recruitment, coaching and culture development. Applicable to any industry — lending, fintech, financial services and beyond.
    Org DesignKPIsIncentivesCoaching
    05
    Product
    Product management using Agile methodology, roadmap development, new product rollouts and market fit advisory. We've managed products used by hundreds of financial services businesses.
    Product MgmtAgileRoadmapNPS
    06
    Marketing & Growth
    GTM strategy, brand development, LinkedIn campaigns, paid and organic marketing, broker lifecycle programs. Strategy first, execution second — always.
    GTM StrategyBrandLinkedInPaid & Organic
    07
    Project Delivery
    Agile and hybrid project management, cross-functional team leadership and major technology implementations. We run discovery workshops, manage vendors and keep delivery on track.
    AgileCross-functionalImplementationsWorkshops
    08
    Business Analysis
    Process mapping and improvement, requirements gathering, system analysis and future-state design. We map what you have, identify the gaps and design what you need.
    Process MappingRequirementsFuture StateBA
    09
    RFP & Software Selection
    RFP preparation, vendor evaluation and selection advisory. Deep knowledge of the AU/NZ lending software market from both sides of the table.
    RFP PrepVendor EvalAU MarketNegotiation
    10
    Customer Success & NPS
    NPS programs for lenders, brokers and merchants — designed, implemented and used to drive real product and business improvements. We've built programs covering 1M+ customers.
    NPS DesignCSAT ProgramsData UseRetention
    11
    AI & Automation
    AI strategy, embedding AI practices across operations, workflows, credit decisioning and team productivity. We've implemented AI in lending software and operational environments.
    AI StrategyAutomationDecisioningProductivity
    12
    Brand & Digital Build
    Websites, borrower portals, broker portals, investor portals and online applications — designed and built to professional standards, or scoped for your own development team.
    WebsitesBroker PortalsApplicationsInvestor Portal

    Lending &
    Credit Strategy

    We've built and run private lending businesses from the ground up. That means we don't advise on lending operations from theory — we've written the credit policies, managed the investor funds, built the broker channels and navigated the regulatory complexity of Australian financial services.

    Credit Policy & Loan Writing Standards

    Robust credit policies that work for regulators and loan writers alike — covering serviceability, LVR, exceptions and arrears for first/second mortgage, consumer and commercial lending.

    • First and second mortgage credit policy
    • Consumer and commercial frameworks
    • Serviceability and assessment design
    • Exception and override frameworks
    • Arrears and hardship policies

    Loan Origination & Process Design

    End-to-end process design from application through to settlement, servicing, maturity and collections. We map what you have, find the gaps and design what you need.

    • Application and lodgement workflow
    • Credit assessment and approval flow
    • Document management and e-signing
    • Settlement and post-settlement servicing
    • Maturity, rollover and collections

    Private Lending Operations

    Built and run private lending operations from startup to scale — managing books of hundreds of loans across multiple fund structures.

    • Operating model design
    • Fund structure and sub-trust documentation
    • Drawdown and redemption processes
    • Loan book management and reporting
    • Collections and arrears management

    Investor Management

    Designed investor management platforms, investor reporting frameworks and managed investor relationships for pooled funds, wholesale and retail structures.

    • Investor onboarding and KYC/AML
    • Investor portal design and build
    • Portfolio reporting and dashboards
    • Distribution and interest calculations
    • Investor communication frameworks

    Broker Channel Development

    Building a broker channel that produces results requires more than accreditation forms. We design end-to-end programs — from accreditation through to ongoing engagement and performance.

    • Broker accreditation frameworks
    • BDM structure and incentive design
    • Broker marketing campaigns and lifecycle
    • Loan criteria and product guides
    • Broker portal requirements and build

    Compliance & Regulatory

    Compliance frameworks genuinely embedded in the business — ASIC, NCCP, AML/CTF, AUSTRAC and responsible lending obligations.

    • ACL licence structure review
    • NCCP and responsible lending frameworks
    • KYC/AML and AUSTRAC obligations
    • Compliance policy documentation
    • Audit preparation and remediation

    Technology &
    Platform

    We've been on both sides of the lending technology table — as the buyer running RFPs, selecting platforms and managing implementations, and as the vendor selling, implementing and supporting lending software. That dual perspective is rare and valuable. We know how vendors price, what they overstate and where implementations fail.

    Platform Selection & RFP

    We manage the full platform selection process — requirements definition through to vendor evaluation, commercial negotiation and implementation planning. Deep knowledge of every major AU/NZ lending platform.

    • LOS and LMS market knowledge — AU and NZ
    • Requirements definition workshops
    • RFP preparation and management
    • Vendor shortlisting and evaluation
    • Demo facilitation and assessment
    • Commercial negotiation support

    Implementation Oversight

    Implementations fail when the business doesn't stay close. We act as client-side implementation lead — ensuring vendors deliver to brief, managing scope creep and keeping projects on track.

    • Implementation project management
    • Vendor accountability and milestones
    • Scope and change management
    • UAT coordination and sign-off
    • Go-live planning and cutover

    Technology Roadmap

    We build technology roadmaps that connect business objectives to platform and integration decisions — so teams stop making disconnected choices and start building toward something coherent.

    • Current state assessment
    • Future state architecture design
    • Build vs buy analysis
    • Integration and API strategy
    • Cost and timeline modelling

    Portal & Application Build

    We design and build the digital assets lenders need — broker portals, borrower portals, online applications, investor portals and lending technology integrations.

    • Broker portal design and build
    • Borrower online application
    • Investor portal
    • Requirements briefs and specs
    • UX/UI design and user testing

    CRM &
    Sales Tools

    A CRM is only as good as the process behind it. We implement Salesforce and HubSpot the right way — starting with sales process design, building around real workflows and training teams to actually use it. We've implemented CRM and sales systems across lending businesses, fintech platforms and financial services companies of every size.

    Salesforce Implementation

    Full Salesforce CRM implementation for financial services and lending businesses — from initial setup through to team training and ongoing administration. Configured around your actual sales process.

    • Pipeline stage design and configuration
    • Dashboard and reporting setup
    • Workflow automation
    • Team training and adoption programs
    • Ongoing admin and optimisation
    • Financial Services Cloud advisory

    HubSpot Implementation

    HubSpot setup and configuration for lending businesses and fintechs — covering CRM, marketing automation, sales pipelines and reporting. More accessible than Salesforce, equally powerful when set up correctly.

    • Full CRM configuration
    • Sales pipeline design
    • Marketing automation setup
    • Email sequence creation
    • Reporting and dashboard design
    • Integration with lending systems

    Sales Playbooks

    A sales playbook is the difference between a team that sells consistently and one that relies on the one or two people who "just know how to do it." We build playbooks that work in the real world — specific, actionable and tailored to how your buyers buy.

    • Sales process documentation
    • Qualification frameworks
    • Objection handling guides
    • Demo structure and scripts
    • Proposal and RFP templates
    • Coaching guides for managers

    Sales Coaching & Performance

    We coach sales teams and leaders across financial services — from individual BDMs to heads of sales. Building high-performing sales teams is a skill set developed over 20 years in lending and fintech.

    • Individual and team sales coaching
    • Call and demo review sessions
    • Conversion rate improvement
    • Pipeline management coaching
    • Sales manager capability development
    • Sales culture and mindset development

    People, Culture
    & Performance

    The best strategy doesn't execute itself. The businesses that outperform aren't just the ones with the best product — they're the ones with the best people, the clearest expectations and the strongest culture. We've built teams from scratch, turned underperforming teams around and designed the people frameworks that give businesses the foundation to scale. This applies to any industry — lending, fintech, financial services, technology or beyond.

    Organisational Design

    The right structure for where you're going, not where you've been. Whether scaling fast, restructuring or building a new function from scratch.

    • Team structure design
    • Reporting line optimisation
    • Role clarity and accountability
    • Headcount planning
    • Cross-functional team design

    KPI & Performance Frameworks

    KPI frameworks that drive the right behaviours — not just activities. From individual contributor KPIs through to team and business unit scorecards.

    • Individual and team KPI design
    • Sales and revenue performance metrics
    • Customer success and NPS KPIs
    • Operational efficiency metrics
    • Leadership scorecards

    Incentive & Commission Structures

    Incentive structures that are simple enough to understand, compelling enough to drive behaviour and fair enough to retain your best people.

    • Sales commission design
    • BDM incentive structures
    • Team and individual bonus frameworks
    • Long-term incentive advisory
    • Retention program design

    Recruitment & Position Design

    Position descriptions that attract the right candidates, interview processes that actually assess capability and recruitment strategy for financial services and technology roles.

    • Position description writing
    • Interview guide development
    • Candidate assessment frameworks
    • Recruitment process design
    • Offer and negotiation advisory

    Coaching & Mentoring

    We coach leaders and high-potential individuals — helping them lead larger teams, navigate complexity and perform at the next level. Direct, honest, outcomes-focused.

    • Executive and leadership coaching
    • Sales leader development
    • Career development planning
    • Performance improvement coaching
    • New leader onboarding support

    Culture & Values

    Culture is what happens when the leader leaves the room. We define, articulate and embed genuine values — real behaviours that shape how the team operates day to day.

    • Values definition and articulation
    • Culture diagnostic and assessment
    • Behaviour framework design
    • Leadership alignment programs
    • Culture change management

    Product

    We've managed product in lending software businesses — running roadmaps, prioritising features using Agile methodology, managing development teams and taking new products to market. We understand the tension between what customers want, what sales wants, what development can deliver and what the market actually needs. Our product work is grounded in real market feedback from lenders, brokers and investors.

    Agile Product Management

    Embedded product management using Agile methodology — running the roadmap, managing the backlog, sprint planning and coordinating with development teams.

    • Roadmap development and management
    • Backlog prioritisation
    • Sprint planning and agile ceremonies
    • Development team coordination
    • Stakeholder management and reporting

    New Product Rollouts

    We've taken new lending products to market — from concept through to customer adoption. Coordinating across product, development, sales, marketing and customer success.

    • Launch planning and coordination
    • Go-to-market alignment
    • Sales enablement for new products
    • Customer communication strategy
    • Post-launch monitoring and iteration

    Customer Feedback & NPS Programs

    Great products are built on real feedback. We design and implement NPS and customer feedback programs — and translate insights into product decisions that matter.

    • NPS program design and implementation
    • Customer and broker satisfaction surveys
    • User research and interviews
    • Feedback-to-roadmap process design
    • Competitive analysis and benchmarking

    AI in Product

    We've implemented AI capabilities in lending software — credit decisioning, automated workflows, intelligent document processing and team productivity tools. We advise on where AI creates genuine value and where it creates noise.

    • AI feature opportunity identification
    • AI governance and responsible use
    • Automated decisioning advisory
    • AI tool evaluation and selection
    • Team AI capability uplift

    Marketing &
    Growth

    We've built GTM strategies for lending software platforms, designed broker marketing campaigns for private lenders and grown market presence for businesses that were largely unknown when we started. Our approach is always strategy first — understand the buyer, define the message, build the assets, then run the campaigns.

    Go-to-Market Strategy

    A proper GTM strategy defines who you're targeting, what you're saying, how you're reaching them and what the journey looks like from first contact to signed client.

    • Target market and ICP definition
    • Messaging and positioning framework
    • Channel strategy and prioritisation
    • Sales and marketing alignment
    • Launch planning and execution

    LinkedIn & Digital Marketing

    LinkedIn is the most effective channel for reaching lending and fintech decision-makers in Australia. We build and run organic and paid LinkedIn campaigns that generate awareness and warm conversations.

    • LinkedIn company page and profile overhaul
    • Organic content strategy and calendar
    • Paid LinkedIn campaign management
    • Google Ads strategy and management
    • SEO and content marketing

    Brand Development

    We help lenders and lending technology businesses build brands that are taken seriously — by brokers, lenders, investors and potential employees.

    • Brand identity design and guidelines
    • Tone of voice and messaging
    • Visual identity systems
    • Brand audit and repositioning
    • Sales collateral and materials

    Broker & Lender Marketing

    Marketing designed specifically for broker channel businesses — from awareness campaigns through to ongoing lifecycle communications, product updates and referral programs.

    • Broker marketing campaign strategy
    • Broker lifecycle communications
    • Product and criteria guides
    • EDM and newsletter campaigns
    • Referral and retention programs

    Project Delivery

    We've managed major technology implementations, business transformation programs and cross-functional team deliveries across financial services. The difference between projects that succeed and those that fail is almost never the technology — it's the clarity of requirements, accountability of the team and quality of the decision-making. That's what we bring.

    Agile Project Management

    Agile delivery across technology and business transformation — sprint planning, backlog management, retrospectives and velocity tracking. Adapted for real-world financial services environments.

    • Sprint planning and facilitation
    • Backlog management and prioritisation
    • Daily stand-ups and retrospectives
    • Velocity and burndown tracking
    • Agile coaching for teams and leaders

    Technology Implementation Projects

    We've managed lending software implementations from scoping through to go-live — including complex data migrations, integration builds and multi-stakeholder environments.

    • Implementation project management
    • Vendor and implementation management
    • Data migration oversight
    • Integration management
    • UAT coordination and sign-off
    • Go-live and hypercare management

    Discovery Workshops

    Structured sessions that define business requirements, map current state processes, design future state workflows and align stakeholders on what success looks like before a project starts.

    • Current state process mapping
    • Future state design workshops
    • Requirements definition sessions
    • Business case development
    • Prioritisation and phasing workshops

    Cross-Functional Leadership

    We've led cross-functional teams in demanding environments — when sales, product, technology and operations all need to move together. Building alignment is where projects succeed or fail.

    • Cross-functional team coordination
    • Stakeholder management
    • Dependency and risk management
    • Executive reporting and governance
    • Team accountability frameworks

    Business Analysis
    & Process Design

    Most operational problems aren't strategy problems — they're process problems. Hand-offs that drop the ball, approvals that take too long, systems that don't talk to each other, teams duplicating each other's work. We map what's actually happening, identify what's broken and design the future state — with the detail needed for technology teams to build it and operations teams to run it.

    Process Mapping

    Document what's actually happening across your business — not what the policy says should happen. Process maps that show real workflows, real exceptions and real friction points.

    • Current-state process documentation
    • End-to-end customer journey mapping
    • Cross-functional handoff analysis
    • Exception and edge-case identification
    • Pain point and bottleneck diagnosis

    Requirements Gathering

    The difference between a successful technology implementation and an expensive disaster is almost always the quality of the requirements. We translate business needs into clear, structured requirements that vendors and developers can actually build to.

    • Stakeholder interviews and workshops
    • Functional requirements documentation
    • Non-functional requirements definition
    • User stories and acceptance criteria
    • Vendor RFP requirement specifications

    Future-State Design

    Designing how the business should work — balancing what's ideal with what's practical, what's scalable with what can be delivered, what's automated with what still needs human judgement.

    • Future-state process design
    • Automation opportunity identification
    • Role and responsibility redesign
    • System and data flow architecture
    • Implementation roadmap and sequencing

    Change Management

    Even the best-designed process fails if people don't adopt it. We support the human side of process change — communications, training, transition planning and post-implementation reinforcement.

    • Stakeholder analysis and engagement
    • Change communications strategy
    • Training material development
    • Transition and cutover planning
    • Post-go-live support and adoption tracking

    RFP & Software
    Selection

    Selecting the wrong lending platform is one of the most costly decisions a financial services business can make. We've been on both sides — running RFPs as the buyer and responding to them as the vendor. We know how vendors price, what they overstate in demos and where implementations go wrong.

    RFP Preparation

    RFP documents that get meaningful responses — specific enough to compare vendors fairly, broad enough to allow genuine capability demonstration.

    • Requirements gathering workshops
    • RFP document structure and writing
    • Evaluation criteria development
    • Scoring framework design
    • Timeline and process management

    Vendor Evaluation & Selection

    Structured vendor evaluations — shortlisting, demo facilitation, reference checks and final assessment. We push past the polished demo to understand what platforms actually deliver.

    • Vendor shortlisting
    • Demo agenda and facilitation
    • Reference check management
    • Scoring and recommendation
    • Board and leadership presentation

    AU/NZ Market Knowledge

    Direct knowledge of every major lending platform in the Australian and New Zealand market — from the inside and the outside. finPOWER Connect, NextGen, Aryza, EasyLodge, Biz Core, Simpology and others.

    • Platform capability assessment
    • Market pricing benchmarking
    • Vendor stability assessment
    • Integration ecosystem knowledge
    • Implementation track record insight

    Implementation Planning

    Selecting the right platform is only half the job. We help businesses plan implementations that succeed — scoping the work, setting timelines and building internal capability to manage the project.

    • Implementation scope definition
    • Resource and timeline planning
    • Vendor contract review advisory
    • Risk and contingency planning
    • Change management planning

    Customer Success
    & NPS Programs

    NPS is only valuable if you act on it. We've built customer success programs across lenders, brokers and merchants that don't just measure satisfaction — they drive retention, identify product gaps, surface advocates and feed the roadmap. Achieved 96% Partner NPS at Humm with 10,000+ merchant partners. The discipline behind those results transfers to any customer-facing business.

    NPS Program Design

    NPS done properly — with the segmentation, cadence and follow-up that turns a score into actionable insight. From the survey itself through to the closed-loop response process.

    • NPS methodology and segmentation design
    • Survey instrument and timing strategy
    • Detractor recovery process design
    • Promoter advocacy and referral programs
    • NPS dashboarding and reporting

    Customer Success Operations

    The systems, processes and team structures that turn customer success from a reactive support function into a proactive growth driver.

    • Customer success team structure and roles
    • Customer health scoring frameworks
    • Onboarding and adoption programs
    • Account management playbooks
    • Renewal and expansion processes

    Retention & Churn

    Identifying why customers leave, building the early warning signals that flag risk before it's too late, and designing the interventions that actually save accounts.

    • Churn analysis and root cause diagnosis
    • Early warning signal identification
    • At-risk account intervention playbooks
    • Win-back program design
    • Retention metric design and tracking

    Voice of Customer Programs

    Closing the loop between what customers tell you and what the business does about it — feeding insights into product, marketing and operations decisions instead of letting them die in a survey tool.

    • VoC program architecture
    • Insight synthesis and prioritisation
    • Cross-functional feedback loops
    • Customer advisory board design
    • Product feedback integration

    AI &
    Automation

    AI is changing what's possible in lending and operations — but most businesses are either ignoring it, chasing hype or burning money on tools nobody uses. We help businesses identify where AI delivers genuine leverage, embed it into the workflows that matter (credit decisioning, customer servicing, sales enablement, content production) and build the governance to use it responsibly.

    AI Strategy & Roadmap

    Cut through the noise to identify where AI actually moves the needle for your business — and where it's still hype. A pragmatic roadmap based on real impact, not slideware.

    • AI opportunity identification and sizing
    • Use case prioritisation framework
    • Build vs buy vs partner decisions
    • AI roadmap and sequencing
    • ROI modelling and business case

    Embedding AI in Operations

    Moving AI from experiment to production. Identifying the workflows where AI delivers leverage, integrating tools into existing processes and measuring the actual impact on speed, accuracy and team productivity.

    • Workflow audit and AI opportunity mapping
    • Tool selection and procurement
    • Integration design and rollout
    • Team training and adoption
    • Performance measurement and tuning

    AI in Lending & Credit

    Practical applications of AI in lending operations — from document processing and fraud detection through to credit assessment, customer servicing and collections. Built with the regulatory awareness that lending demands.

    • Document and application processing
    • Credit decisioning model design
    • Customer servicing automation
    • Fraud and anomaly detection
    • Regulatory compliance considerations

    AI Governance & Risk

    The frameworks, policies and controls needed to deploy AI responsibly — especially in regulated industries. Bias monitoring, explainability, data governance and the regulatory considerations that lending and financial services businesses can't ignore.

    • AI governance framework design
    • Model risk and bias monitoring
    • Explainability and audit trails
    • Data privacy and security policies
    • Regulatory compliance alignment

    Brand &
    Digital Build

    A modern lending or fintech business is judged by its digital footprint — the website, the borrower portal, the broker experience, the application form. We build the websites, portals and digital products that connect lenders to borrowers, brokers to BDMs and businesses to their customers. Built on modern technology with the lending domain expertise to know what good looks like.

    Websites & Marketing Sites

    The websites that lenders, brokers and fintechs need to be taken seriously — designed for credibility with B2B audiences, optimised for lead capture and built on modern infrastructure that scales.

    • Marketing website design and build
    • Landing page optimisation
    • Conversion rate optimisation
    • SEO architecture and technical foundations
    • Content management and team enablement

    Borrower & Broker Portals

    The self-service portals that modern lending businesses need — for borrowers tracking applications, brokers submitting deals, and BDMs managing pipelines. Built to integrate with the LOS, LMS and CRM systems already in your stack.

    • Borrower self-service portal design
    • Broker submission and tracking platforms
    • BDM and partner management portals
    • Investor and funder portals
    • Integration with LOS, LMS and CRM

    Application Forms & Origination

    The application experience makes or breaks origination. We design and build forms that convert — with the conditional logic, document handling and data integration that modern lending demands.

    • Application form design and UX
    • Conditional logic and pre-qualification
    • Document upload and verification
    • ID and identity verification integration
    • Open banking and credit bureau integration

    Lending Platforms

    For businesses building their own lending technology — not buying off the shelf — we partner on the design and build of complete lending platforms. From decision engines through to servicing and collections workflows.

    • Platform architecture and design
    • Decision engine integration
    • Workflow and process automation
    • Customer-facing experience design
    • Operations and back-office tooling

    What We've Built.
    What We've Fixed.

    Every story below is real. Names and details are withheld by agreement — but the outcomes speak for themselves. This isn't consulting from a distance. This is hands-on work that changed businesses.

    Consumer Finance — Broker Scale
    $50M to $1B in Personal Loan Settlements
    A major consumer finance business needed to rapidly scale its broker channel for personal lending.
    "We had the product and the broker relationships. We needed the structure and leadership to scale it 20x."
    $1B+
    Annual settled loans
    20×
    Broker channel growth
    Major
    ASX listing prep support

    Led the broker channel and partnerships, team structure and performance frameworks, Salesforce implementation and sales process redesign. Scaled from $50M to over $1B in annual settled loans through broker channel leadership, operational discipline and sales culture development.

    BNPL & Merchant Finance
    Merchant Retail Business — 1M Cards, 10,000 BNPL Merchants
    Led the merchant retail business of a major ASX-listed finance company — managing Harvey Norman, JB Hi-Fi and all major retailers.
    "We needed someone to run the merchant business, drive BNPL growth and prepare the business for ASX listing. One role, all three requirements."
    1M+
    Active card customers
    10,000+
    BNPL merchants launched
    $2B+
    Annual settlements managed

    Managed the full merchant retail business, negotiated and managed relationships with Harvey Norman, JB Hi-Fi and all major retailers. Designed and launched BNPL to over 10,000 merchants. Helped prepare the business for ASX listing. Led the credit card and BNPL growth strategy across a major consumer finance brand.

    Regional Banking — Broker Launch
    Launching a Bank's Broker Channel to $60M/Month
    A regional bank needed to launch into the mortgage broker channel — building the platform, product and team from scratch.
    "We had no broker channel. We needed to build the platform, design the product and grow to meaningful volume — fast."
    $60M
    Monthly loan settlements
    Full
    Broker platform built
    Salesforce
    Implemented

    Launched the broker channel from zero — designed the bank's broker platform, product suite and credit policy. Implemented Salesforce as the CRM. Built and led the BDM team, mobile lender network and branch channel. Grew to $60M+ in monthly loan settlements. Also oversaw a $30B+ loan book and designed and launched commercial, mortgage and referrer channel initiatives.

    LOS/LMS Vendor · Current
    Brand, GTM & Sales Transformation for a Lending Platform
    A growing lending software platform with government contracts, international clients and strong product — but a brand and sales motion that didn't reflect any of it.
    "We were person-dependent. We needed to become a company, not a person with a platform."
    GTM
    Strategy built
    Full
    Brand overhaul
    AU+NZ
    Market launch

    Full GTM strategy, brand overhaul, LinkedIn transformation, sales playbook, demo asset development, RFP guide, CRM configuration, product advisory and portal scoping. Working directly with the founding team to build a brand and sales capability that can win enterprise and government contracts independently.

    Private Lender · Current
    Building the Operating Model for a Private Lender
    A private lender with strong deal flow and investor relationships — but no scalable process, no structured broker channel and unsustainable technology costs.
    "We needed someone who had built one of these before. Not someone who had studied them."
    $300K
    Annual cost reduction target
    Salesforce
    Full CRM build
    Broker
    Program launched

    Credit policy design, Salesforce CRM implementation, investor management platform replacement strategy, broker accreditation framework, BDM performance structure, broker marketing plan and quality broker introductions from our network.

    Built by Practitioners.
    Delivered with Depth.

    Lend & Scale is not a traditional consulting firm. Our team brings operator experience across lending, technology, people and growth — and we deliver that experience directly to our clients, not through layers of staff or slide decks.

    When we engage with a business, we don't need six weeks to understand the context. We hit the ground running, identify what actually needs to change and deliver outcomes that stick — because we've faced the same challenges from the inside.

    Lee Slattery is the founding principal and client-facing leader. Lend & Scale works with a network of specialist practitioners — technology architects, compliance specialists, CRM implementers, designers and business analysts — who bring specific depth to engagements that need it.

    While our roots are in lending and financial services, the skills we bring — building teams, scaling revenue, driving cultural change, implementing technology and developing products — are transferable to any industry. Growth is growth. People are people. Leadership is leadership.

    20+
    Years in Major Banks, Start-ups, Fintechs & Lenders
    $100B+
    In Lending Volume Across Career
    300%
    Growth in Revenue, ARR & Lead Volumes
    0 → 1
    Start-up to Scale-up to Market Leader
    Lee Slattery
    Lee Slattery
    Founder & Principal
    Twenty years across Australian banking, consumer finance, fintech and lending software — Westpac, St George, Q Bank, Latitude Financial, Humm Group, Funding.com.au and finPOWER Connect. Lee has run broker channels, managed a $30B+ loan book, scaled personal lending to $1B through broker, launched BNPL to 10,000 merchants and built a $10M lending software vertical with 300% growth. He founded Lend & Scale to bring that experience directly to businesses that need it.
    Westpac St George Bank Q Bank Latitude Financial Humm Group Funding.com.au finPOWER Connect
    Talk to Our Team →

    20 Years.
    The Real Story.

    Not a list of job titles. What was actually built, fixed and learned — turned into the expertise Lend & Scale delivers today.

    2023 — 2026
    finPOWER Connect · GM & Country Manager
    Relaunching the Australian Business — From Standing Start to $10M+ ARR
    Joined finPOWER Connect as Country Manager and General Manager with full oversight of product, sales, GTM and customer success for Australia and New Zealand. Relaunched the Australian market presence, built the sales team, designed and implemented the go-to-market strategy and developed finPOWER Connect into a market-leading product in consumer finance and private lending. Drove revenue 40% year-on-year for 3 consecutive years, achieved 300% growth in new ARR with 100% customer retention. Implemented robust NPS and product development discipline including AI capabilities. Managed 15+ person cross-functional team across sales, delivery, product and customer success. Won government contracts in Tasmania and WA. Led major RFP processes with institutional lenders and private credit funds.
    $10M+ ARR300% Revenue Growth100% RetentionGovernment ContractsProduct ManagementAI ImplementationNPS Programs15-Person Team
    2021 — 2023
    Funding.com.au · CRO & GM
    Running a Private Lending Business End-to-End
    Chief Revenue Officer and General Manager at Funding.com.au — a VC-backed bridging and private lender on the Queensland coast. Built proprietary end-to-end loan origination and management technology (coded and no-code). Managed the technology team and full product development lifecycle. Worked to secure wholesale and retail funding facilities and tripled the loan book. Launched broker portal and embedded technology across the business. Ran all lending operations — application through to maturity, compliance, arrears and investor management.
    Private Lending OperationsProprietary LMS BuiltBroker Portal LaunchVC-Backed BusinessLoan Book TripledWholesale Facilities
    2018 — 2021
    Humm Group (ASX: HUM) · GM BNPL & Credit Cards
    Running the Dominant BNPL Business — Solar, AGL, Flight Centre & Beyond
    General Manager of the BNPL and credit card businesses at Humm Group — one of Australia's largest ASX-listed BNPL providers. Ran the BNPL business as the dominant player in solar finance — working with AGL, Flight Centre and many other major partners. Managed the credit card business including product strategy, credit policy and customer lifecycle. Developed and grew partner relationships, managed merchant programs and drove revenue growth across a major consumer finance portfolio.
    ASX-Listed BNPLSolar Finance LeadAGL PartnershipFlight CentreCredit Card GMMerchant Programs
    2013 — 2018
    Latitude Financial · Head of Broker & Merchant
    $50M to $1B — Scaling the Broker Channel. 10,000 BNPL Merchants. 1M+ Card Customers.
    Led two major business lines at Latitude Financial. Relaunched the motor broker business and scaled the personal loan broker business from $50M to over $1B in annually settled loans through broker channel leadership, operational discipline and sales performance management. Also led the merchant retail business — managing Harvey Norman, JB Hi-Fi and all major Australian retailers. Managed 1M+ credit card customers with $2B+ in annual settlements. Designed and launched BNPL to over 10,000 merchants. Implemented Salesforce across the broker and merchant businesses. Helped prepare the business for ASX listing.
    $1B+ Broker Loans10,000 BNPL Merchants1M+ Card CustomersHarvey NormanJB Hi-FiSalesforce LeadASX Listing Prep
    2009 — 2013
    Q Bank · Head of Lending & Broker
    Launching a Bank's Broker Channel from Zero — $60M/Month
    Built and launched Q Bank's broker channel from scratch. Designed the bank's broker platform, credit policy and product suite. Implemented Salesforce as the CRM and built the BDM team, mobile lender network and branch channel. Grew the broker channel to $60M+ in monthly loan settlements. Also worked as the Relationship Manager on the mutual bank's licence and managed branches, mobile lenders and broker teams to a combined $60M/month in settled loans. Ran the commercial lending, mortgage and referrer channel businesses.
    Broker Channel Launch$60M/Month SettlementsPlatform DesignedSalesforce ImplementationBDM Team BuiltCommercial Lending
    2000 — 2009
    Westpac & St George Bank · Senior Lending Roles
    A Decade Across Australia's Largest Banks — Small Business, Broker & $30B Loan Book
    Over a decade across Westpac and St George Bank in progressive senior lending roles. At Westpac ran the small business lending division and launched the broker channel. At St George ran the broker business, oversaw a $30B+ loan book, implemented Salesforce and led many digital and operational initiatives across mortgage, commercial and the referrer channel. Built and managed multi-state broker sales teams, managed major aggregator and broker relationships, designed and delivered sales training programs and drove lending volume growth across personal, business and mortgage products.
    WestpacSt George Bank$30B Loan BookBroker Channel LeadSmall BusinessSalesforceMulti-State Teams

    Growth is Built.
    Not Discovered.

    Every lending business has the capacity to grow faster, operate smarter and serve customers better. The difference between those that do and those that don’t isn’t luck — it’s the right strategy, the right systems, the right people and the right culture, all working together.

    01

    Strategy First. Always.

    Growth without strategy is just noise. We start with a clear, commercially grounded strategy — aligned across every function, understood by every person in the business, and measured relentlessly.

    A great strategy executed well beats a perfect strategy executed poorly every time.

    02

    Technology is an Enabler, Not a Solution.

    Too many businesses invest in technology and expect it to fix their problems. Technology works when it is built around the right process, with the right people and the right data.

    The right LOS, CRM or decisioning platform — implemented well — can be transformational. Implemented poorly, it’s a cost.

    03

    People are Your Competitive Advantage.

    Culture, capability and confidence are the foundations of any high-performing team. Empowering people with the tools, training and clarity they need to succeed drives everything else.

    Engaged, capable people drive customer satisfaction, revenue growth and retention.

    04

    Policies and Process Unlock Scale.

    Inconsistency kills growth. Clear credit policies, documented loan writing standards and well-designed operating processes are what allow a lending business to scale without breaking.

    We build frameworks that make quality and compliance repeatable — not dependent on a few key individuals.

    05

    Performance Management Drives Accountability.

    What gets measured gets done. Clear performance frameworks, meaningful KPIs and a culture of accountability mean every person understands what success looks like and how their contribution connects to the bigger picture.

    Data-driven coaching, not gut feel.

    06

    CRM is the Engine Room of Growth.

    A well-implemented CRM is one of the highest-returning investments a lending business can make. It creates pipeline visibility, enables data-driven decisions, improves conversion and drives retention.

    CRM as a strategic asset — not just a contact database. We’ve seen it transform sales and service cultures entirely.

    Growth isn’t a single lever.
    It’s strategy, technology, people and performance — aligned.

    When these elements work together — when your strategy is clear, your technology enables rather than hinders, your people are empowered and your performance frameworks drive accountability — that’s when lending businesses don’t just grow. They scale.

    Talk to Us About Your Business

    The Expertise
    You Need.

    Real experience. Real results. Delivered directly — without the overhead of a large firm.

    🏦

    Lived Experience in the Lending Seat

    Not theory — real executive decisions across major banks, non-bank lenders, fintechs and software. From credit policy to board reporting, P&L ownership to regulatory change.

    Technology Meets Commercial Acumen

    Deep expertise spanning LOS platforms, API integrations, AI decisioning and digital transformation — paired with hands-on commercial execution and revenue growth.

    📈

    A Proven Growth Track Record

    280% revenue growth in lending software. 300% at a national bridging lender. $600M consumer lending growth at a major financial services business. Results — not just recommendations.

    🎯

    Boutique. Senior. Hands-On.

    You work directly with Lee — not a junior consultant. Practical advice delivered fast, without the overhead and complexity of a large firm.

    Major Banks Mutual ADIs Non-Bank Lenders Fintechs BNPL Credit Cards Mortgage Broking Lending Software Consumer Finance Private Lending

    What We’re
    Thinking.

    Posts direct from Lee’s LinkedIn feed. Real commentary on lending, technology, growth and the Australian financial services market — straight from the source.

    Follow on LinkedIn

    Follow Lee on LinkedIn to get posts as they happen.

    Follow Lee Slattery

      Let's Work Together.

      Whether you're a lender looking to grow, a platform looking to scale, or a business that just needs a team who has done it before — we’d love to hear what you’re working on.

      Name