Joseph Healy is the Co-Founder and Co-CEO of Judo Bank, an SME challenger bank in Australia. Fresh off a A$400m equity raise from Bain Capital and others, Judo is on track to lend A$1 billion by year end.

Prior to starting Judo, Joseph held executive positions at NAB, ANZ, CIBC World Markets, Citibank and Lloyds. From 2008-2014, Joseph ran NAB's Business Banking unit, the largest business banking division in Australia.

Joseph and I discuss the state of business banking in Australia, why he needed to start a new bank rather than seeking to reform an incumbent bank from the inside and the learnings from decades as a traditional banking executive that Joseph is applying at Judo.

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Thank you very much for joining us today. Please welcome, Joseph Healy.