Good business practice
Good governance underpins our culture and ensures our strategy is delivered effectively.
Managing our supply chain
We work with over 1,200 Australian and international suppliers and it is important we fulfil our responsibilities to those businesses as well as manage potential risks.
Our Supplier Code of Conduct outlines how we manage supply chain risks such as data security and privacy, human rights, environmental impact and conflicts of interest. We require suppliers to acknowledge this code as part of their contractual agreement with us.
View our Supplier Code of Conduct
Conflicts of interest
Credit Corp recognises that employees have interests outside of work, and that those interests may include socialising with colleagues, and potentially clients of the Company outside of work hours.
We are committed to holding ourselves accountable to identify and manage actual, potential or perceived conflicts of interest – by raising and addressing them immediately within appropriate channels as specified in our Conflicts of Interest policy.
Whistleblower Policy
We provide avenues for people to report ethical concerns and improper behaviour.
Employees can raise matters via internal reporting channels to senior managers and office holders, including company directors. We also partner with Your Call, an independent service that enables anonymous reporting for both employees and suppliers, in accordance with our Whistleblower Policy.
View our Whistleblower Policy here
Anti-bribery and corruption
Credit Corp has a no tolerance to any form of bribery or corruption.
Our suite of anti-bribery and corruption policies is underpinned by our corporate values - doing the right thing, being open and honest and making it happen – and includes the following:
- Employee Code of Conduct
- Gifts and Entertainment Group Policy
- Securities Trading Policy
- Credit Corp Group Whistleblower Policy
- Supplier Code of Conduct
- External Auditor Policy
- Conflicts of Interest Policy
Safeguarding information - privacy and data security
Protecting the personal data of our customers and employees, as well as our confidential business information, is a priority. To do this, we have implemented customer, client and employee privacy policies and continually strengthen our systems.
Our Group Privacy Policy details how we collect, use, disclose, store and secure personal information. We prioritise staff training on secure information handling practices and our people complete mandatory privacy training annually.
Cybersecurity
Credit Corp continues to invest in cybersecurity controls and monitor for cybersecurity threats that could potentially impact our infrastructure, data security and customer privacy.
Our Chief Information Officer is responsible for managing cybersecurity risk, developing and implementing plans, and reporting to the Board on a regular basis.
Our approach to human rights and modern slavery
We recognise that human rights are universal and acknowledge that our role in respecting and promoting the fundamental human rights of our people, suppliers, customers and the communities impacted by our operations and supply chain is an important one.
Credit Corp commits to the principles of the United Nationals Global Compact on human rights, labour standards and anti–corruption, as well as local labour standards wherever we operate.
We have no tolerance for slavery of any kind and are committed to taking all necessary steps to operate our business in an ethical and responsible manner, and to mitigate the risk of modern slavery and human trafficking.
We published our sixth Modern Slavery and Human Trafficking Statement in December 2025. This was prepared in consultation with our Modern Slavery Working Group.
Read our Modern Slavery Statement
Combating financial crime
Credit Corp is committed to the detection, deterrence and disruption of money laundering and financing of terrorism and other serious financial crimes. We are committed to conducting our business in accordance with all applicable laws and regulations maintaining our reputation as a compliance leader within the industry.
Our AML/CTF Group Statement sets out our core principles in the identification, mitigation and management of the risk that our products or services may be used to facilitate money laundering or terrorism financing.
Strategic integration of AI
Credit Corp’s overarching AI Strategy, approved by the Board, is a key component of our Always Ahead vision.
The strategy is driven by two core objectives: leveraging AI to improve collection outcomes, strengthen lending decisions, and drive operational effectiveness; and making AI accessible across the organisation so it becomes an everyday part of how our people work.
To bring this strategy to life, we established an internal AI CoE, which includes a team of specialised AI engineers. Working closely with the broader business, the CoE identifies opportunities and develops practical, secure AI solutions aligned with business needs. As part of this collaborative framework, the CoE has enabled a network of “AI Champions” who are building custom agents to support their own workflows and at the same time assisting their peers, helping to democratise AI adoption across the Company.
Responsible use and governance
Credit Corp is committed to the responsible use of AI. Our focus is on using AI to support and empower our people, reducing administrative work and making roles more impactful. We apply a principles-based approach to the design, development, and deployment of AI, anchored by our Artificial Intelligence Compliance and Governance Policy.
A cornerstone of this policy is a human in-the-loop requirement for all critical customer facing interactions. While AI may assist with tasks and provide guidance to our employees, the final work outputs and accountability for accuracy and quality remain with our team.
To operationalise our governance principles, in FY2026 we launched our Using AI at Credit Corp guide for employees, alongside a mandatory e-Learning module. These tools provide our employees with clear, practical guidance on how best to leverage our approved enterprise platforms. With practical everyday “do’s and don’ts,” the focus is on building safe usage habits to complement our broader governance framework of supplier oversight and ongoing model monitoring, ensuring transparency, fairness, and regulatory compliance as our capabilities evolve.
We will regularly review our responsible AI approach in line with evolving technology, regulations and industry best practices. As the landscape continues to shift, we expect our approach to adapt over time.