Directors and Management

Mr Kerry J Betros - Chairman Mr Peter Lock - Chief Executive Officer

Kerry Betros 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 has almost 30 years' experience in the financial services industry spanning insurance, institutional banking, business development, business banking and corporate banking. He was most recently the Managing Director of Parkside Partners, a boutique Corporate Advisory practice specialising in privately owned enterprises. Prior to that he held the positions of Chief Operating Officer and Head of Corporate Banking for the Bank of Melbourne. He was previously Managing Director of St George Bank in Victoria and has held general management positions in both St George Bank and the Commonwealth Bank following a career with the National Australia Bank. He is a Senior Fellow of the Financial Services Institute of Australasia, and a Graduate Member of the Australian Institute of Company Directors. He has been Chair of The Committee for Melbourne's Leadership Program, and Future Focus Group, as well as its Alumni Association and is a past Board Member of The Committee for Melbourne. He sits on the Finance Committee of Genazzano FCJ College and the Advisory Boards of several private companies. 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
  • 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
  • Bob Hogarth AssocDipAdmin, MBA
    General Manager, People & Culture
  • John Williams AssocDipEng, AssocDipAppSc, MBA, GAICD, FACS, AFAIM
    Chief Operating 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.