Meet the founder
Joe Woo, CFA
For 20 years I've worked inside Australia's banks and lenders, learning exactly how each one assesses a deal — across home, car, personal, business and commercial finance. I started Jokuda to put that knowledge on your side of the table.
Why I started Jokuda
I've spent more than two decades inside the risk teams of Australia's biggest lenders — Commonwealth Bank, Westpac, American Express — and most recently building the lending platform for Dynamoney, the country's fastest-growing SME lender. My job was to design the systems that decide who gets approved, on what terms, and why.
Along the way I learned something most borrowers are never told: approval isn't only about your numbers. The very same application can be declined by one lender and approved by another, because every lender reads risk differently. Get matched to the wrong policy and a perfectly good borrower looks risky. Get matched to the right one and the door opens.
I built Jokuda so that inside knowledge works for you, not against you — matching your situation to the lenders whose policies actually fit, and using technology to make it fast.
I know how lenders think about risk
Most brokers know the products. I spent a career building the engines behind them.
Lender policy, in depth
Every lender prices and assesses risk differently — on income type, industry, credit history, security and more. I match your situation to the lenders whose policy genuinely fits it, instead of sending it everywhere and hoping.
Risk, from the inside
As a CFA Charterholder I've built automated underwriting, credit scorecards and Expected Credit Loss models under AASB 9. I read your file the way the lender's credit assessor will — and package it accordingly.
Technology that's fast
At Dynamoney I built the platform that made 70% of loan decisions within two hours. Jokuda brings the next level of automation to your search, so comparing options doesn't mean waiting days.
Two decades building the systems lenders rely on
I'm a CFA Charterholder who's spent 20+ years in credit risk and lending technology — building automated underwriting, credit scorecards and risk-pricing models at Commonwealth Bank, Westpac, American Express and Ant Financial (Alipay), and most recently as CTO, then CPO of Dynamoney, Australia's #1 fastest-growing SME lender (A$3.2B originated, 70% of decisions in under two hours). That's the experience I bring to packaging your application.
Credentials you can verify
Real qualifications and licences — check them on ASIC Connect and the FBAA register.
CFA Charterholder
CFA Institute
Master of Commerce (Honours)
Accounting & Banking — University of Sydney
Diploma of Finance & Mortgage Broking
Accredited finance & mortgage broker
Australian Credit Licence 573020
Jokuda Pty Ltd
FBAA Member M-362110
Finance Brokers Association of Australia
Aggregator: outsource Financial
Access to a 50+ lender panel
Let's find the lender that fits you
Get matched with your best options in minutes — no credit check, no cost, no obligation.