Senior Credit Risk Manager

Role Overview

• Credit strategy design evolution & optimisation
• Shape credit strategy across originations, account management, and collections, balancing growth, risk appetite, customer outcomes, and portfolio performance.
• Build portfolio insight and drive strategy response
• Connect views across the credit lifecycle to identify risks, diagnose performance shifts, and drive timely strategy changes that strengthen outcomes.
• Strengthen governance and decision quality
• Embed disciplined governance practices, testing, validation, and post-implementation review to ensure strategies operate effectively in production
• Drive analytics and continuous improvement
• Use data and analytical tools to improve decisioning, deepen portfolio understanding, and identify opportunities to strengthen credit strategies and ways of working.
• Coach and develop the team
• Support the team through technical guidance, peer review, and knowledge sharing.

Requirements

• Deep credit risk experience, ideally in retail lending
• Strong understanding of credit strategy design, portfolio dynamics, and financial risk drivers including provisions, losses, recoveries, and return outcomes
• Strong analytical capability, with the ability to translate complex data into clear insights, strategic recommendations, and portfolio actions
• Strong skills in SQL, Python, SAS, Excel, Tableau, or similar tools used for analysis and performance monitoring
• Experience working with modern data platforms (for example BigQuery, Snowflake, or similar cloud-based environments)
• Demonstrated experience leading complex cross-functional initiatives and influencing strategic decisions or governance forums
• Sound understanding of Australian retail credit portfolios, including key segments, performance drivers, and the broader risk landscape
• Well-developed judgement and structured thinking; ability to balance commercial outcomes with prudent risk management
• Demonstrated ability to coach, guide, and develop other credit risk specialists through technical guidance and knowledge sharing
• Excellent problem-solving and stakeholder management skills, with confidence working across business and risk teams at multiple levels
• A curious and collaborative mindset, strong sense of ownership, and genuine interest in strengthening and modernising credit risk practice
• A tertiary qualification in a quantitative, analytical, commercial, legal, technology, or related discipline is valued, or equivalent practical experience.

Tech Stack

• BigQuery
• Cloud
• Python
• SQL
• Tableau

Benefits

• Flexibility: We support our people with the flexibility to balance where work is done with at least half their time each month connecting in office.
• Many other flexible working options available including changing start and finish times, part-time arrangements and job share.