Wisr

Office address: Level 9, 333 Kent Street Sydney NSW 2000
Website: wisr.com.au
Year established: 2018
Company type: financial services
Employees: 100+
Expertise: personal loans, consumer finance, financial technology, digital lending, debt management, financial wellness, credit assessment, responsible lending, financial education
Parent company: N/A
Key people: Andrew Goodwin (CEO), Matthew Lewis (CFO), Sam Harding (COO), James Goodwin (chief growth officer), Alvaro Carpio Colon (chief innovation officer), David King (general counsel and company secretary), Kate Renner (head of employee experience)
Financing status: formerly VC-backed

Wisr is a Sydney-based neo-lender serving clients across Australia. The company creates easy-to-use loans and digital tools to help people manage money. The firm is known for offering fair, smart and simple financial options through technology.

History of Wisr

Wisr was officially founded in 2018, following a major rebrand and a shift to a new business model. Before this, the company had moved away from peer-to-peer lending and secured a wholesale funding facility, setting up its transformation:

• 2018: rebranded to Wisr Finance Pty Ltd and launched a new business model
  • launched WisrCredit, Australia’s first credit score comparison site
• 2019: introduced Wisr App to help users pay off debt with spare change
  • NAB-sponsored warehouse facility went live
  • scaled its loan book to over $100 million using the 255 facility 
• 2021: Wisr Warehouse grew to $350 million
  • completed $225 million ABS transaction, earning AAA Moody’s rating
  • raised $55 million in equity, led by Goldman Sachs
  • launched $225 million Wisr Secured Vehicle Warehouse
• 2022: surpassed $1 billion in loan originations
  • launched Wisr Score, a proprietary credit score
  • vehicle warehouse increased to $400 million
• 2023: won PropTrack Fintech Lender of the Year at the Australian Mortgage Awards 2023
  • Andrew Goodwin appointed CEO
  • John Nantes stepped aside as chair

The firm wrapped up the 2025 financial year with strong growth, marked by rising loan originations and improved credit performance. The company originated $140 million in loans in the June quarter, a 154% increase from the previous year. This marked five consecutive quarters of origination growth and three of loan book expansion.

Wisr’s products and services

Wisr offers a mix of lending products, digital tools and resources designed to help Australians manage money in a smarter way:

• Wisr loans: personal, car, debt consolidation, home renovation, wedding and travel loans
• credit score: free credit score check through the Wisr App after creating a profile and verifying ID
• round up: app feature that rounds up purchases and uses spare change to save or pay down debt
• special offers: personalised rates, no early repayment fees, easy loan management in their app and payday-synced repayments

The company also provides resources like a loan calculator, debt busting tools, financial reports, blogs and smart guides. These services support customers in making informed money decisions and managing debt more effectively.

Company culture and values

Wisr’s culture blends high performance with genuine respect and a focus on helping each other thrive. The team is driven by five core values:

1. challenge the status quo
2. be stronger together
3. focus on growth
4. prioritize the customer
5. be a stunning colleague

These values help shape their daily work and business goals. Staff are encouraged to learn, recharge and balance work and life, with a strong sense of belonging. The firm provides its employees with benefits, like:

• wellness benefit: $500 yearly for health or relaxation
• discounts: gym and retail savings through Wherefit
• extra leave: ‘A Day on Wisr’ for personal time
• parental leave: 14 weeks paid, gender-neutral policy
• learning: Udemy courses for career development
• mental health: up to six counselling sessions yearly with Uprise
• hybrid work: three days in-office, flexible balance
• support: programs and resources for wellbeing and growth

The firm creates a supportive workplace where everyone can do their best work and feel valued. People from different backgrounds thrive together, bringing diverse skills and ideas to every project.

Wisr supports its people and values every team member’s strengths and ideas. This culture allowed Daniella Mancuso, national and NSW BDM, to excel and be named one of MPA’s Elite Women of 2022.

About CEO Andrew Goodwin and key people

Andrew Goodwin is the CEO of Wisr, guiding the company’s growth and business direction. He first joined the company as CFO in 2017 and became CEO in 2023. Earlier, Goodwin gained experience at Macquarie Capital and KPMG in finance roles.

Wisr’s executive team shapes the company’s strategy and leads its long-term growth:

• Matthew Lewis leads as CFO, overseeing finance, funding and treasury operations
• Sam Harding manages operations as COO, focusing on process improvement and delivery
• James Goodwin is chief growth officer, leading marketing, business development and communications
• Alvaro Carpio Colon heads technology as chief innovation officer, guiding product, engineering and IT teams
• David King serves as general counsel and company secretary, handling legal, compliance and governance matters
• Kate Renner shapes culture as head of employee experience, building HR and talent programs

The company's leadership team steers the company’s vision and brings ideas from every part of the business. Their combined expertise ensures that the firm stays focused on growth and innovation.

The future at Wisr

Wisr grew loan originations by 66% in the first half of FY25 by using technology and automation. The company focused on secured vehicle and personal loans, which led to higher earnings and a bigger market share. This strong growth shows that the firm will keep helping more Australians with smarter financial solutions in the future.

It also expanded its lending options by launching a secured personal loan for brokers, letting clients use assets like cars for lower rates. The company also strengthened its team by appointing Sam Harding as COO in 2025 to drive operational strategy and growth. Brokers and clients now have more flexible loan options and improved support for their financial needs moving forward.