An established and growing financial services organisation is seeking an experienced Credit Risk Manager to join its risk function. This is an opportunity to play a key role in shaping credit risk strategy, portfolio performance, and lending decision frameworks within a dynamic and regulated environment.

Reporting to senior leadership, you will be responsible for developing and enhancing credit risk policies, monitoring portfolio performance, analysing credit trends, and providing data-driven recommendations that support sustainable business growth.

Key Responsibilities

• Develop, review, and maintain credit risk policies and risk appetite settings.
• Monitor portfolio performance, identifying emerging risks and trends.
• Analyse lending data to support strategic decision-making and risk mitigation.
• Design and enhance credit decisioning strategies across customer segments.
• Develop and monitor key credit risk metrics, dashboards, and reporting.
• Conduct portfolio stress testing and scenario analysis.
• Recommend improvements to underwriting policies and credit assessment processes.
• Work closely with Credit, Finance, Collections, Compliance, and Technology teams to optimise risk outcomes.
• Support new product development through credit risk assessments.
• Present portfolio insights and recommendations to senior management.

Skills & Experience

• Demonstrated experience in credit risk within consumer lending, commercial lending, asset finance, or financial services.
• Strong understanding of Australian lending regulations, including:
  • National Consumer Credit Protection Act 2009 (NCCP Act)
  • National Credit Code
  • ASIC regulatory requirements
  • Responsible lending obligations (where applicable)
• Experience developing and monitoring credit risk frameworks.
• Strong analytical and problem-solving skills with a commercial mindset.
• Excellent communication and stakeholder management skills.

Technical Skills Experience with several of the following is highly regarded:

• Advanced SQL for querying, analysing, and validating large datasets.
• Python or R for statistical analysis, modelling, and automation.
• Microsoft Excel (advanced functions, Power Query, PivotTables, VBA desirable).
• Power BI or Tableau for dashboard development and portfolio reporting.
• SAS (desirable).
• Experience working with data warehouses and large relational databases.
• Knowledge of credit bureau data (Equifax, illion, or Experian).
• Experience with credit decision engines and workflow platforms.
• Exposure to scorecard development, behavioural modelling, or probability of default (PD) models.
• Understanding of IFRS 9 or Expected Credit Loss (ECL) methodologies (desirable).
• Experience using portfolio monitoring, reporting, or risk management systems.