The Journey of Athena

By Dexter Cousins on 24/03/2025

Michael Starkey and Nathan Walsh, Co-founders of Athena Home Loans share their remarkable journey!

In this episode of Fintech Chatter Dexter Cousins chats to Nathan Walsh and Michael Starkey, Co-Founders of Athena Home Loans.

Making their long awaited return to the show, Nathan and Michael discuss their journey over the past four years,and the insane challenges they’ve had to navigate as interest rates rose rapidly and funding markets dried up. 

According to Wikipedia Athena was the patron goddess of heroic endeavor; she was believed to have aided the heroes Perseus, Heracles, Bellerophon, and Jason. She may have also aided Michael and Nathan over this last few years!

https://youtu.be/a4i8wXv72xo

We ask Nathan and Michael the tough questions like how do you compete with banks, balancing technology with regulatory requirements, navigating the rapid interest rate rises since 2022, and the importance of partnerships. 

Nathan and Michael also share their secrets to building a resilient team and maintaining a strong company culture as they aim for the next stage of growth and innovation in the home loan sector.

"This is now an execution story."

Nathan Walsh - CEO, Athena Home Loans

Chapters

00:00 Introduction to Athena Home Loans
03:38 Founding Story and Vision
05:48 Tech Fin vs Fin Tech: Athena's Position
07:32 Navigating Regulation and Compliance
11:48 Challenges of Distribution in a Fragmented Market
13:34 Impact of Interest Rate Rises
19:45 Lessons from Big Banks
23:23 Partnerships and Growth Opportunities
29:29 Cultural Alignment in Partnerships
31:41 Frameworks for Evaluating Partnerships
33:47 The Journey of Co-Founders
37:59 Attracting and Retaining Talent
40:51 Navigating Growth and Change
45:09 Reflections on Past Experiences
48:40 Future Aspirations and Growth

Article written by Dexter Cousins
Founder of Tier One People and host of the Fintech Chatter Podcast.

Latest Episodes

23/02/2026
Checkbox AI CEO Evan Wong: How to Build Enterprise Software That Scales

How Checkbox AI CEO Evan Wong Built a $100M Legal AI Company in 9 Years Checkbox AI CEO Evan Wong just closed a $23 million Series A at a $100 million valuation. The journey from bootstrapped startup to serving over 100 enterprise organizations—including SAP, PepsiCo, Telstra, and Woolworths—took nine years, three funding rounds, and a […]

09/02/2026
Inside Revolut's Growth Strategy With CEO Matt Baxby

Revolut Australia CEO Matt Baxby just crossed a milestone that most Australian neobanks never reached: 1 million customers and profitability. In the latest Fintech Chatter episode, the Revolut Australia CEO breaks down how they went from three employees in February 2020 to 100 employees, $250 million saved for Australians, and $4.4 million in profit while […]

27/10/2025
Dan Jowett - OpenMarkets Group

Where Defi Meets Tradfi In this episode of Fintech Chatter, host Dexter Cousins speaks with Dan Jowett, CEO of OpenMarkets Group, about the rapid convergence of Tradfi and DeFi About This Episode Tune in as Dan and Dexter discuss how OpenMarkets has transformed from a traditional stockbroker to a technology-focused fintech, the regulatory hurdles facing […]

08/09/2025
Nuj Super - Matt McKenzie. From Beancounter to Fintech Founder.

In this episode of Fintech Chatter, host Dexter Cousins speaks with Matt McKenzie, CEO and co-founder of Nuj, a Regtech company making serious strides in the Aus$ 4trn Superannuation sector. Nuj’s plug-and-play solution streamlines workflows while ensuring compliance with all current and upcoming regulations. The platform enables quick integration, with automated workflows, audit trails, and […]

Find your Favourite episode

"Dex does a great job at bringing FinTech founders and thought leaders onto the podcast while providing valuable insights into the industry. An informal atmosphere allows genuine chats."
Wagner Camarao
"My No1 go-to podcast to get access to an amazing roll call of Founders and Fintech leaders. Dexter does a great job getting his interviewees to share frank points of view and great insights."
Alt Bankin for all
"What I love about this show is the breadth of people and their experience that Dexter is able to tap into. Not so long ago people paid to hear for this kind of advice- now you can get it for free!"
Rob Hoxton
"The definitive Fintech podcast in Australia. Top insights and always current on the challenges and thinking in the Fintech industry. Subscribe for anyone interested in tech and entrepreneurialism."
Boscoe Tan
cross