Joseph is a career international banker. He has held executive positions at NAB, ANZ, CIBC World Markets, Citibank and Lloyds Bank.
As Group Executive/Divisional CEO, NAB Business Banking from 2008-14, Joseph was responsible for leading Australia’s largest and most profitable Business Bank and SME franchise.
A member of the Group Executive Committee, the Group Risk Committee and Group Asset and Liability Committee (ALCO), Joseph also chaired the Business Bank Divisional Risk Committee overseeing a loan portfolio of $220bn. At ANZ from 2000-4, Joseph developed a ‘Wall St. to Main St.’ strategy bringing advisory and private equity capabilities to the SME market.
From 2004-7, Joseph was ANZ’s Managing Director, Global Client Relationships. Joseph spent 12 years at Citi, where he had extensive credit and market risk training and held senior risk management roles. Joseph has deep customer, risk and business management experience, together with success in starting new businesses. Joseph holds a MSc (Finance), MBA, MSc International Management (China), MA in Contemporary Chinese Studies and MBA (Banking) degrees from University of London, London Business School and University of Nottingham in China and is currently studying for an MSc in Psychology and Neuroscience of Mental Health at Kings College, London. He is a fellow of FINSIA and Fellow of the Chartered Institute of Bankers.
He is a member of the Chartered Institute of Bankers in Scotland and authored three books: ‘Corporate Governance & Shareholder Wealth Creation’ (2003), ‘Chinese Firms Going Global – Can They Succeed? (2018) and ‘Breaking the Banks – What went wrong with Australia’s banking? (2019). Joseph is an Adjunct Professor at University of Queensland Business School, and was a member of the expert panel advising the Deans of Australian Universities on finance course content at Bachelor and Master Degree levels.
He was a Director of Football Federation Australia (FFA) from 2010-2018 and has five international football caps for Scotland at youth level.