Brett Tayler

A transformational leader, MBA-qualified professional with a strong track record in banking, business and consumer lending, and asset finance. Keen driver of change with an eye to the leveraging future technological developments and how they can be utilised to build and enhance business performance.

Possesses extensive expertise in strategic planning across diverse lending environments, including business, commercial, dealer wholesale, residential, and asset finance sectors. Proven ability to lead and develop high-performing teams in sales, collections, recovery strategies, and credit assessment.

Has a wealth of experience across industries such as residential, retail, mining, rural and urban sectors, transport, and property development.

Key strengths include a comprehensive understanding of sales processes and drivers, credit policy formulation, compliance management, and procedural optimization.

Known for the ability to simplify complex challenges into actionable strategies, delivering impactful solutions and measurable results.

• Enhanced people and culture practices and developed workforce skills and experience
• Increased experienced workforce headcount from 125 to 175 while maintaining baseline profitability (needed to build for future)
• Commenced RFP for complete system changes (both hardware and operating system) in technologically challenged environment
• Reduced arrears through revisiting collections practices and introducing enhanced reporting and visibility
• Gained approval from PNG Central Bank to proceed with application for Banking Licence (from a previously negative position)
• Maintained profitability of one of PNG’s leading Licenced Financial Institutions through two very challenging financial years (Unstable geopolitical and economic period, COVID-19 pandemic and economic disruption through general elections)
• Drove and changed a loss making entity - BSP Finance Ltd (circa PGK1m loss) into a profitable entity (circa PGK4.2M profit) in 12 months through focus on sales and service to suppliers and customers, training and enhancing operational efficiencies. Maintained profitability in 2019 in challenged economic environment.
• Reduced BSPF high defaults position (1 plus days) from +40% to circa 20% (relative to economic environment/peers this is acceptable) through reengineering collections process and ongoing training and reduced Non Performing Loans (90+ days) from a high of 11% to < 2%.
• Instigated changed and improved culture of earlier identification of potential loss accounts leading to earlier and reduced losses and better management and recognition of those potential risks.
• Successfully implemented culture change that provided enhanced end to end service proposition to Brokers and internal customers, through improved collaboration and communication and relationships with Sales channel and improved communication directly with brokers.
• Enhanced the communication and collaboration between Credit Risk, Recoveries and Sales channels through development and implementation of timely and meaningful provision of assurance feedback, and collaboration with sales channel in the development of workout strategies.
• Appointed as divisional project lead for Dealer Wholesale/Asset Finance/Broker responsible for designing and documenting best practice lending process for Esanda’s Equipment Finance division (dealer wholesale and tailored lending channels). Developed and implemented systems, tools and procedures to undertake credit assurance function (new process for the Banks) on time (part of 2nd line of defence) with built-in feedback and training recommendations.
• Developed Coaching Framework and lending modules for training requirements for lenders and undertook on site (one to many and one to one) coaching of lenders and sales.

• BSP Finance (PNG) Ltd (Bank of South Pacific Ltd), Papua New Guinea, Country Manager, 10/16/17, 07/23/20, Overall responsibility for the profitability of the Banks Commercial/SME Asset Finance Lending Division for PNG. Owner of Profit and Loss and Balance Sheet performance driven by all aspects of the business unit being strategy, budgeting, sales, operations, finance, compliance, collections and reporting (both to executive and board/s)., circa PGK110m
• Bank of South Pacific Ltd, Papua New Guinea, Manager Credit Inspections, 05/08/17, 10/15/17, Manage and lead the Banks Credit Inspection team to undertake individual and portfolio Credit Inspection reviews to provide an independent appraisal of the quality of the credit under review and the various elements of investigation, analysis and skill contributing to the final decision., To analyse data and reporting that will allow comparative analysis of the credit decisions., To provide information as to the quality of the credit risk accepted with recommendations for remedial actions or improvements where deficiencies are identified., Review, develop and improve the internal credit audit system to test quality and compliance of credit submissions and decisions and portfolio risk., Identify and where appropriate assist in the development of policy /procedure changes.
• Credit & Risk Consultant (self employed), Brisbane, Credit & Risk Consultant, 01/01/16, 05/01/17, Provide credit and risk advice on start ups and new ventures. Consultant on credit governance committee for alternative mortgage product.
• CUA (Credit Union Australia Limited), Brisbane, Lending Capability Specialist (Credit Coach), 10/01/15, 06/30/16, Develop and implement lending training programmes, new processes and procedures for lending., Identify and recommend credit policies that can be enhanced or clarified and assist with the communication and roll out of key credit policy and process changes., Provide specialist credit / policy / legislative knowledge and advice for deal structuring to maximise loan approvals and mitigate key risks., Provide credit theory and practical performance coaching and up skilling., Identifying, facilitating and monitoring the development needs of staff who are responsible for credit., Work with Regional Sales Managers and Head of Sales to identify training and coaching needs for the teams., Regional on site coaching (one to many and one to one)., Manage Referral partner programme.
• CUA (Credit Union Australia Limited), Brisbane, Business Support Manager (National Lending & Broker Sales), 07/01/15, 09/30/15, Provide financial and credit expertise to the Head of Distribution Lending and Broker in the running of the lending sales division., Coordinate sales functions for the broader Lending and Broker Leadership team delivering maximum sales, service and productivity levels to internal and external stakeholders, including Finance (expense) management for new combined sales divisions, identifying key credit risks and writing credit risk papers, management of sales reporting, monitoring and reporting on compliance requirements, providing guidance and advice on deal structuring and credit issues.
• CUA (Credit Union Australia Limited), Brisbane, Credit Assurance Manager, 12/12/12, 06/30/15, Develop and implement CUA's Credit Assurance function, selling outcomes to the business, including development and delivery of internal audit and review of credit policy, processes and development of loan application quality and associated reporting., Coaching frontline staff. Identifying training needs., Manage Credit policies and undertake special reviews as required.
• Bank of Queensland, 10/09/09, 08/02/12, Credit Risk Hindsight Manager, 04/15/11, 08/02/12, Develop, test and implement an internal credit audit system to test quality and compliance of credit submissions and decisions, portfolio and forensic credit/loss reviews, identify and develop strategies for high-risk borrowers and develop and recommend policy /procedure changes., Undertake portfolio reviews., Assist network in developing effective workout strategies for high-risk accounts., Head of Collections & Recoveries, 06/11/10, 04/15/11, Lead, manage, direct BOQ’s national commercial and retail collection and recoveries division - 5 direct reports (35 indirect reports)., Approve Provisions and Write offs within Delegated Authority ($2m and $500k)., Senior Manager – Commercial Collections & Recoveries, 10/09/09, 06/11/10, Lead, manage and direct BOQ’s national commercial collection and recoveries division – 5 direct reports., Approve Provisions and Write offs within Delegated Authority ($2m and $500k)., Senior Insolvency Officer, 08/03/09, 10/08/09, Managed and develop strategies for high-risk accounts > $1M.
• DKM Finance Pty Ltd, Finance Manager/Business Consultant, 04/16/07, 05/22/09, Sales and Relationship Management of accountants and their clients and business development for the finance division.
• Suncorp – Equipment Finance, Credit Analyst, 11/15/06, 04/13/07, Short term contract assessing and decisioning equipment finance broker applications under Delegated Credit Discretion.
• Esanda Finance Ltd (ANZ Group), Project Consultant, 03/15/05, 11/02/06, Subject Matter Expert for Dealer Wholesale/Asset Finance/Broker on a project responsible for designing and documenting best practice lending process for Esanda’s Equipment Finance division (dealer wholesale and tailored lending channels).
• Esanda Finance Ltd (ANZ Group), Head of Tailored (Broker) Lending – Queensland, 01/29/03, 03/11/05, Lead, manage, direct Esanda Queensland Broker Equipment Finance lending division (approx. 16 direct reports)., Highest State Credit Discretion holder for Equipment Finance transactions ($16M secured / $1m unsecured lending)., Successfully undertook culture change to provide enhanced end to end service proposition to Brokers and internal customers, through improved communication and relationships with Sales channel.
• UDC Finance Limited (New Zealand) (ANZ Group), Team Leader – Dealer Wholesale (Floorplan Finance), 12/13/01, 01/22/03, Lead, manage, direct UDC’s national Dealer Wholesale lending division including compliance (vehicle inspections), documentation and collection management (approx. 7 direct reports)., Highest Credit Discretion Holder for country for Dealer Wholesale finance.
• UDC Finance Limited (New Zealand) (ANZ Group), Team Leader – Vendor Relationship (Third Party Finance), 04/26/99, 12/12/01, Lead, manage, direct UDC’s national Vendor Finance lending division – credit, sales support and documentation and settlement (approx. 7 direct reports)., Highest Discretion holder for country for Vendor Finance.
• Credit Analyst – various teams (NZ), 09/19/96, 04/23/99, Assessing and decisioning equipment Finance broker applications under Delegated Credit Discretion.
• MGICA Limited (NZ), Senior Service Officer, 09/26/94, 09/16/96, Account Management of various lenders and assessing and decisioning Lender Mortgage Insurance applications.
• Bank of New Zealand - including NAB(NZ) and NAFL (all merged into BNZ), 11/01/82, 09/15/94, Various roles including ledgers, postages, accounts, farm lending, commercial lending, equipment finance. During 1986 – to late 1988, I travelled extensively through Europe and worked in London for various stockbroking and merchant banks (Sheerson Leehman, Commerzbank, Scrimgeour Vickers).

• Sailing (Sailing Division Committee Member for the Royal Papua Yacht Club 4 years)
• Cycling
• Travelling
• Health & Fitness
• Rugby Union
• Golf
• Learning about different cultures (having travelled extensively in my youth)
• Experiencing new challenges

• Credit & Data Bureau (PNG) Ltd, Executive Director, 03/01/22, Current, Governance and oversight role as member of Board of PNG’s credit reporting data entity.
• Sunrise Assurance Brokers Ltd, Executive Director, 09/01/21, Current, Governance and oversight role as member of Board of subsidiary entity of Finance Corporation Ltd.

Cert IV in Financial Services (Finance/Mortgage Broking) (2006)

TAFE South West Sydney Institute