Announcement PDF ANNUAL REPORT 2025 WISR LIMITED • ANNUAL ANNUAL REPORT REPORT2025 2025 Our purpose is to power people’s financial progress towards what matters to them Smarter money decisions made easy 1 WISR LIMITED • ANNUAL ANNUAL REPORT REPORT2025 2025 Acknowledgement of country In the spirit of reconciliation, Wisr acknowledges the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respect to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples today. 2 CONTENTS About Wisr 4 Wisr in FY25 6 • Key FY25 results 8 Chair and CEO’s review 10 Growth opportunities 12 • Our customers 14 • Structural tailwinds 16 • An automation-first fintech 17 Financial highlights 18 • Loan originations in FY25 20 • Loan book in FY25 21 • Portfolio yield and NIM 22 • Credit quality 23 • Funding program 24 • Capital position 25 Strategic outlook 26 • Three horizons of progress 27 Wisr in FY26 28 Executive Leadership Team 30 Board of Directors 32 Financial report 34 • Directors’ report 35 • Auditor’s independence declaration 64 • Consolidated statement of profit or loss and other comprehensive income 65 • Consolidated statement of financial position 66 • Consolidated statement of changes in equity 67 • Consolidated statement of cash flows 68 • Notes to the financial statements 69 • Consolidated entity disclosure statement 101 Directors’ declaration 102 Independent auditor’s report 103 ASX additional information 107 Corporate directory 110 3 WISR LIMITED • ANNUAL REPORT 2025 ABOUT WISR Courageously ask, “What if?” OUR VISION OUR PURPOSE A world where people have the power to progress To power people’s progress towards what matters to them OUR VALUES for the customer Smarter parts together Be a stunning colleague Growth over comfort 4 Wisr is a purpose-built fintech lender. Since inception, Wisr has supported hundreds of thousands of Australians in reaching their personal and financial goals. Through our proprietary Wisr platform, we’ve combined digital lending with financial tools and features to help Australians pay down debt, access credit, better understand their financial standing and make smart money decisions easily. A prime loan book built on supporting our customers Personal loans Remaining of $34,900 804 Average Secured vehicle loans A proprietary, scalable, award winning platform that our customers love Wisr has been built on an award-winning proprietary technology platform to best support customers, brokers and partners throughout the lending process. Underpinned by quality technology, every part of the loan journey is digitised from Wisr’s Partner Portal to application forms to loan processing to the Wisr App which customers can use to view, manage and pay back their loans. Progress tools to develop long-term customer relationships Credit Score Free access to Equifax credit score Round Up Send digital spare change from daily purchases, towards a debt or other money goal Money Hacks Interactive lessons to help improve money habits 5 WISR LIMITED • ANNUAL ANNUAL REPORT REPORT2025 2025 WISR IN FY25 In FY25, Wisr successfully achieved its strategic goals by delivering exceptional performance across key metrics. Notably, loan origination guidance was increased from 75%+ to 90%+ in Q3FY25, reflecting strong demand and operational efficiency. Pleasingly, the Company outperformed this guidance, achieving 101% loan origination growth in FY25. This momentum contributed to strong growth in the loan book, reinforcing Wisr’s position in the market. The Company also made strategic investments in its distribution channels, enhancing its reach and driving sustainable scale. 6 Additionally, Wisr focused on deepening relationships with its customers through its platform, winning WeMoney’s Best Mobile Experience Award for the second consecutive year. As a strong conclusion to FY25, Wisr executed its third warehouse facility of $267 million – a critical milestone that sets the foundation for the Company’s continued growth in FY26 and beyond. Growth Profitability FY25 OBJECTIVES OUTCOMES • Grow loan originations in FY25 vs. FY24 by 75%+ ✓ Loan origination growth of 101%, • Drive growth in the loan portfolio ✓ Loan book returned to growth – • Focus on loan volume growth at attractive unit economics, maintaining high credit quality and disciplined cost control ✓ EBITDA1 profitability achieved • Continue pathway to profitability without the need for additional equity capital exceeding guidance closing at $824M ✓ Secured third warehouse of $267M with Barclays Bank PLC as a senior funder, reducing overall funding cost (WAM) ✓ Margin improvement with portfolio yield and NIM increasing to 11.20% and 5.46% respectively ✓ Average credit score increased to 804 Distribution channels Deepening customer connections • Strengthen and grow our existing distribution channels with a focus on market leading user experiences and service excellence ✓ Customer NPS remained high • Leverage Wisr user base to deliver scalable business outcomes through customers accessing, managing and repaying credit ✓ Winner of WeMoney Award for • Continue to engage, educate and support customers on their financial journeys through the Wisr App 1 EBITDA defined as earnings before Interest, taxes, depreciation and amortisation. This also excludes corporate facility interest cost, hedge accounting impacts, share based payments expense and non-cash expected credit loss provision movements 2 Warehouse weighted average margin over bank bill swap rate 3 NIM defined as loan book yield less finance costs, excluding corporate facility interest cost and hedge accounting impacts 4 Total loan book weighted average Equifax credit score is the score at the time of application, includes active loans and excludes loans written off 5 Based on average comparison of engaged and unengaged Wisr Platform loan customers that are current and not in arrears during Q4FY25. at +75 ✓ Winner of Good Design Award for ‘Liger’, Wisr’s native lending platform Best Mobile Experience for the second consecutive year ✓ Engaged customer base with loan customers leveraging the proprietary Wisr platform, 33% further ahead on their loans 7 WISR LIMITED • ANNUAL REPORT 2025 Key FY25 results LENDING $422M $824M 804 Loan originations Wisr loan book as at Jun-25 Average credit score of total book1 as at Jun-25 ↑101% (FY24: $210M) ↑7% (Jun-24: $770M) ↑10 (Jun-24: 794) In Wisr’s first year after announcing a return to growth, it was pleasing to see that loan originations increased by 101% to $422M (FY24: $210M). In the financial year, Wisr also saw three consecutive quarters of loan book growth to close 7% higher at $824M (FY24: $770M). Wisr continued to prioritise maintaining the prime quality of its loan book with its weighted average credit score increasing to 8041. FINANCIAL 11.20% $91.6M 1.40% Portfolio yield Revenue On-balance sheet 90+ day arrears ↑30 bps (FY24: 10.90%) ↓2% (FY24: $93.8M) ↓18 bps (Jun-24: 1.58%) 5.46% $0.8M 1.79% Portfolio NIM2 EBITDA3 Net losses ↑23 bps (FY24: 5.23%) ↑$3.1M (FY24: $(2.3)M) ↓61 bps (FY24: 2.40%) Wisr’s portfolio yield increased to 11.20% (FY24: 10.90%), a strong result following its growth focus in the year. In addition, Wisr’s NIM remained strong at 5.46%, an increase of 23 bps (FY24: 5.23%). Revenue remained largely stable at $91.6M in FY25 – and pleasingly returned to growth in H2FY25. Furthermore, it was pleasing to see EBITDA profitability delivered at $0.8M. This marked an increase of $3.1M and positions the Company well for future growth in FY26 and beyond. At the same time, 90+ day arrears and net losses decreased significantly to 1.40% and 1.79% respectively. 1 Total loan book weighted average Equifax credit score is the score at the time of application, includes active loans and excludes loans written off 2 NIM defined as loan book yield less finance costs, excluding corporate facility interest cost and hedge accounting impacts 3 EBITDA defined as earnings before Interest, taxes, depreciation and amortisation. This also excludes corporate facility interest cost, hedge accounting impacts, share based payments expense and non-cash expected credit loss provision movements 8 CAPITAL Well capitalised with unrestricted cash of $14.1M $15M $287M Available to draw from corporate facility to fund future growth Undrawn warehouse capacity A key highlight for Wisr in FY25 was the execution of its third warehouse of $267M, with senior funding provided by Barclays Bank PLC, reducing overall funding cost. In addition to this facility, Wisr finished FY25 with $287M in undrawn warehouse capacity to fund future growth. CUSTOMER $53.0M $11.1M +75 additional loan repayments2 made via one-time payment feature in round ups2 used to pay off customer debt Customer Net Promoter Score In FY25, Wisr maintained its focus on supporting its customers in reaching their financial goals. Notably, the Company saw customers pay back $11.1M of debt via its round up feature and $53.0M in additional loan repayments. Customer satisfaction remained strong with NPS at +75. WeMoney Best Mobile Experience Award Wisr maintained its focus on its platform and won WeMoney’s Best Mobile Experience Award for the second consecutive year. Good Design Award Winner of a Good Design Award for ‘Ligerʼ, Wisrʼs native lending platform which helps streamline loan processing and champion responsible lending by placing customersʼ needs at the forefront of every decision. 1 Warehouse weighted average margin over bank bill swap rate 2 Since inception Finnies, Excellence in Consumer Lending Wisr was a finalist in Fintech Australia’s Finnies Awards for Excellence in Consumer Lending – highlighting its commitment to supporting Australians in their financial journeys. 9 WISR LIMITED • ANNUAL ANNUAL REPORT REPORT2025 2025 CHAIR AND CEO’S REVIEW Dear Shareholders, FY25 was a year of transformation, growth and execution for Wisr as we delivered strong results across key operational and financial metrics. Most importantly, we successfully recommenced growth while continuing to prioritise prudent capital management, enhanced customer value and strengthening the foundations of our scalable business model. Our objectives for FY25 spanned four key pillars: growth, profitability, distribution channels and deepening customer connections. We are pleased to report that the business materially outperformed expectations throughout the year. In Q3FY25, we upgraded our loan origination guidance from 75%+ to 90%+, driven by strong growth in the first half of the year. Pleasingly, we outperformed this upgraded guidance, delivering 101% loan origination growth in FY25. Our loan origination momentum translated into loan book growth and improved unit economics, reinforcing our strong position in the non-bank lending market. After four consecutive quarters of loan book growth, we finished FY25 with a loan book of $824M. At the same time, Wisr continued to prioritise efficiency, largely driven by our investment in automation and operational scalability. Our end-to-end digital infrastructure and proprietary technology platform have 10 enabled us to automate core lending functions – from credit assessment to onboarding and servicing – allowing for faster, more costeffective loan processing at scale. These enhancements reduce our cost-to-serve and position Wisr to benefit from operating leverage as growth continues. Importantly, we continued to strengthen our funding platform with the successful execution of our third warehouse facility of $267 million in the second half of the year. With senior funding provided by Barclays Bank PLC, this mixed-use facility provides a robust and flexible funding structure to support future origination growth and reflects the confidence our funding partners have in our business model, credit quality and long-term strategy. We also made strategic investments in our distribution channels, expanding Wisr’s direct and broker-led origination pathways. Reflecting Wisr’s commitment to its customers, we were proud to win WeMoney’s Award for Best Mobile Experience for the second consecutive year – a testament to the strength of our customer-first design and technology. In July, we farewelled our Chief Operating Officer (COO), Joanne Edwards, who has been instrumental in building the operational backbone of Wisr over the past several years. Joanne’s contributions helped lay the foundations for our growth, scale and industry reputation, and we thank her sincerely for her service. In August 2025, we welcomed Sam Harding as our new COO. Sam brings deep expertise in operational transformation and customer-centric technology, and we are excited for the fresh perspective he will bring as we enter FY26. FY26 OUTLOOK Over recent months, we’ve been sharpening our strategy for FY26. This next chapter of Wisr’s evolution is underpinned by the fantastic work we’ve done to date in bringing financial wellness to Australians. However, in a world of shifting financial expectations, rising complexity and new technologies, Wisr’s purpose has evolved to better reflect the role we want to play in the lives of our customers: to power people’s progress towards what matters to them. This refined purpose builds on our founding mission and allows us to deliver measurable, tangible outcomes across our product suite – giving our customers more control, confidence and clarity in their financial lives. And while our purpose evolves, our brand promise remains the same – smarter money decisions made easy. As part of our FY26 strategy, we have developed new priorities to guide our direction including: • Cash NPAT: We remain focused on significantly improving cash NPAT through accelerated loan book growth, disciplined cost management and operating efficiencies • Loan book growth: Building on FY25 to materially grow Wisr’s loan book • Launch market-leading products: Meet evolving consumer needs through innovative solutions, also increasing Wisr’s market share • Diversifying distribution channels: Including new partnerships, embedded finance opportunities and expanding our reach in the broker channel • Becoming an AI-first company: Embedding automation, predictive insights and AI across the lending process to drive smarter, faster decision-making • Support our people and their growth: Foster a culture where bold thinking is encouraged and every person is empowered to progress To conclude, on behalf of the Board and Wisr’s Executive Leadership Team, we extend our thanks to our shareholders, partners and customers for their continued trust and support. To the Wisr team, your resilience, innovation and commitment to our purpose have been the driving force behind this year’s success – and we are looking forward to what FY26 will bring. Matthew Brown Non-Executive Chair Andrew Goodwin Chief Executive Officer 11 WISR LIMITED • ANNUAL ANNUAL REPORT REPORT2025 2025 GROWTH OPPORTUNITIES 12 Wisr is uniquely positioned to capitalise on a blend of owned capabilities and structural tailwinds. Modern Australians are seeking accessible, transparent and flexible credit solutions to better manage their everyday finances. Wisr’s competitive edge lies in its deep understanding of consumers’ unmet needs – and in its ability to meet them through customer-centric design, scalable automation and a diversified distribution model. At the heart of this is Wisr’s purpose: to power people’s progress towards what matters to them. 13 WISR LIMITED • ANNUAL ANNUAL REPORT REPORT2025 2025 Our customers Wisr serves a diverse and growing customer base of financially active customers from across Australia, primarily within the prime credit segments. Notably, Wisr’s average borrower credit score is high at 804 reflecting the Company’s ongoing commitment to maintaining a prime loan book. What does the average Wisr loan look like? With a Net Promoter Score of +75, Wisr has demonstrated experience in responsible lending and financial innovation which positions it as a trusted partner in Australians’ financial journeys. Why are our customers coming to us? Other 4 13% Debt consolidation 12% Personal loans 65% of loan book Home improvements and contents 11% Vehicles 3 64% Secured vehicle loans 35% of loan book Where are our customers located? NT 1% QLD 35% WA 15% NSW 22% New loan size average1 ACT 1% SA 5% $34,900 TAS 2% VIC 19% How are our customers employed? Self-employed 4% Credit score average2 804 Full-time 74% Part-time 8% Casual 14% Source: Internal Wisr data on loan principal balance, as at Jun-25 1 For the quarter ending Jun-25 2 Total loan book weighted average Equifax credit score is the score at the time of application, includes active loans and excludes loans written off 3 Comprises secured vehicle loans and personal loans 4 Includes travel, medical, legal, weddings, and/or mixed purposes 14 Wisr is well placed to strengthen customer relationships by continuing to evolve its platform with innovative, customer-first solutions. The Company’s focus on providing financial products and tools that support Australians in reaching their financial goals will extend to future products. Notably, there’s a great opportunity for Wisr to connect with a bigger market. Approximately $46B in secured vehicle loans and $12B in personal loans are originated each year1, with Wisr well positioned to increase its market share. By consistently delivering value through personalised experiences and forwardthinking features, Wisr is set to foster lasting relationships built on transparency and supporting people’s’ ongoing progress. Remaining of $34,900 804 Average 1 Total addressable market size is a management estimate, which includes consumer and commercial lending segments in Australia 15 WISR LIMITED • ANNUAL REPORT 2025 Structural tailwinds The Australian consumer credit landscape is undergoing significant transformation. Against a backdrop of evolving borrower behaviour and capital reallocation by major banks, new opportunities are emerging for agile, purpose-built lenders. Wisr is strategically positioned to capitalise on these shifts – supported by strong unit economics, a differentiated brand and a maturing asset-backed securities (ABS) program. Major banks are exiting key lending markets Asset-Backed Securities (ABS) issuance market is growing Share of total household lending with banks1 SVL & Equipment ABS Issuance Breakdown2 3 Wisr is in a strong position to take advantage of major changes in the lending market. As big banks pull back from personal and vehicle loans, there’s a growing gap that purpose-built, tech-first lenders like Wisr can fill. With a trusted brand and strong financial model, Wisr has a real opportunity to grow its market share and help more people progress towards what matters to them. 1 Source: Reserve Bank of Australia; Personal loans data refers to unsecured lending only 2 Source: Westpac Securitisation and Covered Bond Strategy, Bloomberg 3 $7.4B up to 30 June 2025, annualised to $14.8B 16 An automation-first fintech Automation and AI are transforming the Australian financial services landscape – enabling smarter risk assessment, hyper-personalised customer interactions and real-time service delivery. Wisr’s investment in automation has provided scalability, operational efficiency as well as improved credit decisioning and customer outcomes. Automation of loan approvals • 80% of loans are automatically approved by Wisr’s AI powered decision engine Automation of loan verification steps • 40% of loan verification steps are automated Industry-leading arrears management platform • Wisr’s arrears management platform harnesses the power of scalable data infrastructure • This supports scalability by efficiently managing higher loan volumes without compromising credit quality, speed, accuracy or increasing cost • This enhances the customer and broker experience by reducing time to serve • Data driven arrears management segmentation • We also offer real-time payment channels, available via the Wisr app, website and Wisr Agents Looking ahead to FY26 and beyond, automation will play a central role in Wisr’s next phase of growth. The Company is focused on embedding end-to-end automation across credit assessment, loan servicing and customer engagement – reducing manual touchpoints, accelerating turnaround times while continuing to champion responsible lending. Automation as a business priority will enable Wisr to scale originations efficiently while maintaining its strong credit profile and delivering an exceptional customer experience. In addition, automation will position Wisr effectively to operate as a leaner, more agile and highly scalable lender. 17 WISR LIMITED • ANNUAL ANNUAL REPORT REPORT2025 2025 FINANCIAL HIGHLIGHTS 18 Wisr delivered strong financial performance in FY25, underpinned by disciplined execution and continued loan book growth. The Company exceeded key guidance metrics and strengthened its funding position, setting a solid foundation for sustainable growth in FY26 and beyond. 19 WISR LIMITED • ANNUAL REPORT 2025 Loan originations in FY25 $271M Personal loan originations $151M Secured vehicle loan originations 20 Wisr has demonstrated robust growth in loan originations throughout FY25, reflecting the successful execution of key strategic initiatives. In FY25, loan originations grew by 101% to $422M, up from $210M in FY24. This growth was powered by significant increases in both personal loans which rose by 69% to $271M, and secured vehicle loans, which grew by 207% to $151M. Most positively, Wisr outperformed its original and updated loan origination guidance. The Company’s continued focus on strategic growth and credit quality positions itself well for sustained success. Loan book in FY25 Wisr’s loan book increased 7% to $824M as at June 2025 (Jun-24: $770M). This growth in the Company’s loan book was driven by disciplined credit strategies and a focus on higher-quality borrower segments. This strong performance follows a strategic reset in FY24, positioning Wisr for long-term, sustainable growth. Wisr’s clear focus on prudent lending and operational efficiency is now translating into real momentum. $535M Personal loan book The Company remains on track to continue expanding its loan book in FY26, while maintaining its commitment to powering Australians’ progress towards what matters to them. $289M Secured vehicle loan book 21 WISR LIMITED • ANNUAL REPORT 2025 Portfolio yield and NIM Portfolio yield Wisr’s portfolio yield increased 30 bps to 11.20% (FY24: 10.90%), underpinned by disciplined pricing. Portfolio NIM1 Net Interest Margin (NIM) also improved 23 bps year-on-year to 5.46% (FY24: 5.23%). Portfolio credit score2 The quality of the loan book remains a priority with the average credit score increasing to 8042, (Jun-24: 794). 1 NIM defined as loan book yield less finance costs, excluding corporate facility interest cost and hedge accounting impacts 2 Total loan book weighted average Equifax credit score is the score at the time of application, includes active loans and excludes loans written off 22 Credit quality 90+ day arrears The Company saw an improvement in 90+ day arrears, decreasing to 1.40% (Jun-24: 1.58%). This was largely due to investment in the arrears management process which has yielded positive results over the last year. Net losses and loan book Wisr strengthened its collections processes, leading to a reduction in net losses to 1.79% (FY24: 2.40%). This result highlights the effectiveness of targeted investment in collections and recovery practices, positioning the business for continued portfolio resilience in FY26 and beyond. 23 WISR LIMITED • ANNUAL REPORT 2025 Funding program WH1 (personal loan warehouse) has $400M of committed funding ($47M undrawn) and WH2 (secured vehicle loan warehouse) has $250M of committed funding ($56M undrawn). Wisr also executed its third warehouse (mixed personal and secured vehicle loans) with committed funding of $267M ($184M undrawn) with Barclays Bank PLC as senior funder in May 2025. Funding as at 30 June 2025 24 Wisr has raised $875M across four ABS transactions – Freedom21 (successfully called), Freedom22, Independence23 and Freedom23. Capital position Cash held in warehouses and term deal trusts: Cash per balance sheet $43.6M Restricted cash $29.5M • Undistributed customer loan repayments (principal and interest) • Unutilised funds from note subscriptions (predominantly third-party debt) • Use of funds restricted to funding loans and operating warehouses and term deals e.g. Trustee fees Unrestricted cash $14.1M Undrawn corporate facility $15.0M Cash on hand available for any business purpose Undrawn corporate facility Wisr equity investment in funding trusts: • PL Warehouse ($17.8M) Wisr equity holding in warehouses $47.4M • SVL Warehouse ($5.9M) • Mixed Warehouse ($5.0M) • Freedom22 ($5.5M, projected call date1 Sep-25) • Independence23 ($8.4M, projected call date1 Sep-26) • Freedom23 ($4.8M, projected call date1 Jul-27) Capital assets 1 Call dates are forecasted based on expected prepayment rates and actual dates may vary. 25 WISR LIMITED • ANNUAL REPORT 2025 STRATEGIC OUTLOOK Wisr’s strategy is anchored in its purpose: to power people’s progress towards what matters to them. This refreshed purpose responds to the current environment, unmet needs and evolving consumer expectations. Aligned with its vision of a world where every person has the power to progress, it positions Wisr to adapt and thrive, both now and in the future. 26 Three horizons of progress As a fintech lender, Wisr has been purposebuilt to evolve with and meet the needs of its customers. We’re continually adapting our platform, products and experiences to anticipate changing needs and expectations. This progression ensures we remain a trusted partner in helping Australians make smarter money decisions at every stage of their financial journey. HORIZON 3 A platform business delivering network effects (3+ years) Unlock our advantage HORIZON 2 Accelerate growth through new market verticals and products (2-3 years) Broaden our reach HORIZON 1 Scale core and deliver profitability (1-2 years) Strengthen our foundation • Achieve and grow cash profitability • Enhance existing lending products • Enter new customer segments and verticals • One platform powering multiple products • Diversify revenue beyond lending • Compounding customer lifetime value • Brand differentiation, loyalty and enterprise value • Embed finance into everyday experiences • Expand proprietary and partner distribution • Deepen customer engagement and retention • Expand broker and direct distribution • Drive AI use cases, automation and operational leverage 27 WISR LIMITED • ANNUAL ANNUAL REPORT REPORT2025 2025 WISR IN FY26 After a successful return to growth in FY25, Wisr is poised for its next phase. Moving into FY26, the Company remains diligently focused on building on this growth while developing a profitable, AI-led business. 28 Cash NPAT We remain focused on significantly improving cash NPAT through accelerated loan book growth, disciplined cost management and operating efficiencies Loan book growth Building on FY25, to materially grow Wisr’s loan book Launch marketleading products Meet evolving consumer needs through innovative solutions, also increasing Wisr’s market share Diversify distribution channels Including new partnerships, embedded finance opportunities and expanding our reach in the broker channel Become an AI-first company Embedding automation, predictive insights and AI across the lending process to drive smarter, faster decision-making Support our people and their growth Foster a culture where bold thinking is encouraged and every person is empowered to progress 29 WISR LIMITED • ANNUAL REPORT 2025 EXECUTIVE LEADERSHIP TEAM Andrew Goodwin CHIEF EXECUTIVE OFFICER Andrew joined Wisr as its Chief Financial Officer in 2017 before being appointed to his current role as Chief Executive Officer in August 2023. With over 20 years of experience in financial services, Andrew leads Wisr’s executive team, dedicated to the Company’s long-term growth and guides Wisr’s overall business strategy. Prior to Wisr, Andrew worked in investment banking at Macquarie Capital, along with KPMG. Matthew Lewis CHIEF FINANCIAL OFFICER Matthew joined Wisr as its Chief Financial Officer in March 2024, and leads Wisr’s finance team across funding and treasury, portfolio management, accounting and payment solutions. With over 25 years of experience in financial services and consulting, Matthew previously held senior roles at KPMG, leading due diligence investigations and capital market transactions, and Avoka Technologies, a global enterprise SaaS fintech. Joanne Edwards CHIEF OPERATING OFFICER Joanne joined Wisr as its Chief Risk and Data Officer in 2019 before being elevated to Chief Operating Officer in 2023. With two decades of experience in financial services across risk management, credit risk, product management, pricing, analytics and strategic project delivery, Joanne is passionate about using data and analytics to solve business problems, drive profitable growth, streamline processes and improve customer experience. Before Wisr, Joanne was General Manager of Unsecured Risk at the Commonwealth Bank, where she led major projects including the integration of the bank’s Comprehensive Credit Reporting compliance. 30 James Goodwin CHIEF GROWTH OFFICER James joined Wisr as its Head of Marketing in 2018 before being elevated to Chief Ma