Directors and Management

Kerry Betros

Mr Kerry J Betros - Chairman

Mr Betros is Managing Director of Betros Bros Holdings Pty Ltd and associated companies, Darling Downs based wholesalers and retailers, established in 1938. He graduated from DDIAE (now USQ) with a Bachelor of Business majoring in management and accounting. He has previously served on various other boards and organisations and was awarded the Centenary of Federation Medal for distinguished service to the community. Mr Betros has been a Director of Heritage since 1991. He was the inaugural Chairman of Heritage’s Finance Committee, and has been Chairman of the Internal Audit Committee and has served on a number of other committees. He became Chairman of Directors on 21 June 2012.

Mr Peter Lock - Chief Executive Officer

Mr Peter Lock has more than 30 years' experience in the financial services industry spanning insurance, institutional banking, business development, business banking and corporate banking. He has held senior management roles at the Bank of Melbourne, St George Bank, and the Commonwealth Bank, following a career with the National Australia Bank. He has also run his own corporate advisory firm. Mr Lock is a Senior Fellow of the Financial Services Institute of Australasia, and a Graduate Member of the Australian Institute of Company Directors. He has a keen interest in leadership and community, and has been part of numerous capacity-building committees in a mentoring capacity. Mr Lock holds a Bachelor of Business and a Master of Business Administration from the University of South Australia.

Board of Directors

  • Mr Kerry J. Betros BBus, FCPA, MAICD
  • Dr Dennis P. Campbell MBA, PhD, FCHSE, CHE, FAIM
    Deputy Chairman
  • Mrs Vivienne A. Quinn MAHRI, MRCSA, FAICD
  • Ms Susan M. Campbell BCom, GradpDip(SIA), MBA, FCPA, F Fin, MAICD
  • Mr Brendan P. Baulch BCom, LLB, CA
  • Mr Stephen Davis CRV, AAPI, MAICD
  • Mr David W. Thorpe BEc (Hons), FCPA, GAICD


  • Bill Armagnacq BCom, FCA, FAICD
    Company Secretary/Assistant Chief Executive Officer
  • Shelley Sorrenson LLB, BJus, MAICD
    General Counsel / Assistant Company Secretary

Corporate Governance Statement

Senior Executives

  • Peter Lock MBA, BBus, GradDip Applied Corporate Finance, GAICD, SF Fin
    Chief Executive Officer
  • Bill Armagnacq BCom, FCA, FAICD
    Company Secretary/Assistant Chief Executive Officer
  • Kevin Potter 
    Chief Operating Officer
  • Jane Calder BSc(Hons)
    General Manager, Marketing
  • Peter Cavanagh BHMS, DipEd
    General Manager, Emerging Business Streams
  • Peter Cleary BBus, CPA
    Chief Financial Officer
  • Paul Francis
    General Manager, Retail Services
  • Wayne Marchant MMgt (Info Tech), MACS
    Chief Information Officer
  • Darren Stephens
    Chief People Officer
  • Paul Williams BA, GradDipAppFin, MA (Cantab), MBA, F Fin, GAICD
    Chief Strategy & Investment Officer

* Based on a $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.