Wisr (ASX: WZR) is purpose-built to improve the financial health of all Australians by helping them to make smarter decisions with their finances.

Financial health is both subjective and objective; regardless of how much a person earns, it’s habits and behavioural change that are critical in creating lasting change to people’s relationships with money.

Wisr has reinvented the consumer credit experience to make real change by looking at the bigger picture and improving a customer’s holistic financial health.

We’re truly unique in the market; through products, tools and resources, Wisr gives customers access to smarter credit, helps customers get out of debt faster, and to make smarter decisions with their money through cognitive behavioural therapy (CBT), improving their financial decision making and overall financial health.

The key ingredient to Wisr’s model is our dual technology platform that makes us more than just a lender. With $1.6B in loans originated since inception (2017), we built our lending technology platform for greater control over customisation and automation, providing customers with a more streamlined digital experience than traditional, outdated competitors.

The second ingredient is our Financial Wellness Platform (FWP), promoting better financial decision-making for everyone – no matter their level of understanding or financial position. This offers proven benefits for our customers who engage with it via a customised dashboard and mobile app; the data allows users to:

  • Get a personalised experience based on their next major money moment
  • See their liabilities and balances
  • Check and monitor their credit scores
  • Fine-tune their financial knowledge
  • Move from subprime to prime credit scores
  • Round up their money to pay down debt or save
  • Receive personalised product offers and pricing
  • Access smarter personal and secured car loans
  • Apply, manage and pay down their Wisr loan
  • Learn the psychology of why they spend and change habits

Combined with the quality of customers we attract, our revenue growth, improving loan unit economics, and core business profitability, we have significant room to build a company of real size and scale in the years ahead, and shareholders should be excited by this.


  • Andrew Goodwin, Chief Executive Officer

    Andrew has 20+ years of experience in the financial services industry, with significant experience in debt and equity raising, both in the public and private markets and is a Chartered Accountant. Before Wisr, Andrew was Deal Team Lead for investment banking and principal investments at Macquarie Capital, where he advised and participated in transactions totalling over $20 billion. Andrew has significant experience in raising equity in the markets of Europe, Asia and Australia. Before Macquarie Capital, Andrew was a partner at Draycap, a secondary private equity and infrastructure firm, FontEnergy, and KPMG, where he focused on assurance and advisory for the Financial Services sector.

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  • Joanne Edwards, Chief Operating Officer

    Joanne joined Wisr in 2019 in a newly formed role as Chief Risk and Data Officer, tapping on her core strengths in corporate development and strategic innovations with dual-oriented outcomes for driving profitable growth and sustainability and progressive refinement in customer-centric experiences. Before Wisr, Joanne spent nearly ten years at Commonwealth Bank, scaling an impressive professional trajectory from Product Management and Analytics, Credit Risk for Personal Lending, to General Manager for Unsecured Risk. She’s passionate about using data and analytics to solve business problems, drive profitable growth, streamline processes and improve customer experience. Joanne was a Female Fintech Leader of the Year Finalist for the 2021 Finnies Awards and Women in Banking and Finance (WiBF) 2021 Winner of Achievement in Regulation and Compliance.

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