Credit Risk Manager at MONEYME

Sydney, New South Wales, Australia -

Full Time

Start Date

Immediate

Expiry Date

19 Oct, 26

Salary

0.0

Posted On

21 Jul, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Consumer Lending, Unsecured Credit Risk Policy, Collection Strategies, Loss Provisioning Models, AASB9 Standards, SAS VA, SQL, PowerBI, Data Manipulation, Data Visualization, KPI Tracking, Consumer Credit Regulatory Framework, Stakeholder Management, Analytical Thinking, Credit Risk Management, Insight Generation

Industry

Financial Services

Description

About MONEYME: MONEYME is a founder-led digital lender and Certified B Corporation™. We challenge the traditional ways of credit and simplify the borrowing experience with digital-first experiences that meet the needs of modern consumers. We offer a range of fast, flexible, and competitively priced products that span our customers’ credit lifecycle, including personal loans, credit cards, and car loans. We deliver unrivalled customer experiences powered by smart technology, speed and efficiency. We are for ambitious Australians that expect more from life and the companies they engage with. We uphold a strong ethos of sustainability and hold ourselves accountable to the high standards of the B Corp movement. Our culture is energetic and driven, and we continually challenge the status quo… we’re nothing like your traditional finance institution. We have recently been certified as a B Corp and a Great Place To Work. We’re proud to have built a culture where people feel heard, cared for, and empowered to push boundaries. We wouldn’t be able to continually improve and grow as a company without our diverse and exceptional team. What we are looking for: We are looking for an experienced Credit Risk Professional to assist building and evolving market leading capabilities in our Credit Risk function. The Credit Risk team manages and supports a broad range of initiatives across product, credit risk and collections using a data driven approach across the entire suite of products – Personal Loans, Line of Credit, AutoPay. Responsibilities for this position include: Proactively lead insight generation and identify opportunities for improvement in metrics like roll rates, cure rates, loss and recovery rates. Champion ongoing enhancement and development of credit policies considering emerging macro-economic risks and agreed appetite/performance. Collaborate with key stakeholders to drive initiatives leading to delivery of credit performance within the agreed risk appetite scorecard for each product. Lead the charge on enhancement forecasting including liaison with third parties for timely and accurate outcomes. Supporting monthly reporting for a range of credit KPIs for internal and external stakeholders. To be successful in this role you must have the following: Experience in consumer lending with a solid understanding of unsecured credit risk policy levers. Experience in collection strategies, test and learn including understanding of operational processes, setting dashboards and metrics. Highly analytical with attention to detail – experience in loss provisioning models per AASB9 standards desirable (but not a must). Experience in data manipulation and visualization tools like SAS VA, SQL, PowerBI, etc. Hands-on experience in analytics and development/ tracking of KPI's. Knowledge of legal and regulatory framework regarding consumer credit would be an advantage. Solid written and oral communication skills – ability to articulate insights to diverse stakeholders and influence outcomes. A bachelor’s degree relevant to the role and a minimum of one year of relevant analyst experience. At MONEYME, we value: Strong teamwork skills, with the ability to collaborate within and across teams and functions. Ability to think creatively and solve problems when faced with new challenges. Ability to work independently & self-motivated. Strong time management skills with the ability to deliver quality work in an efficient manner. Ability to adapt to evolving priorities and deadlines and manage multiple projects at one time. What's in it for you: MONEYME’s employees and culture are core to who we are. We know that without a high-performing and engaged Team MONEYME, we will not achieve our ambitious goals for the future. We are proud to offer a collaborative and fun work environment. Some of our perks and benefits we offer to our employees are: Up to 5 additional days of bonus leave per calendar year after 12 months of service for eligible employees. 3 days paid community service and volunteering leave per year. 12 weeks of employer-paid parental leave and two weeks employer-paid leave for secondary carer. Quarterly champion awards and reward trips. Mental health and wellbeing initiatives, health checks, skin cancer checks, free vaccination, etc. Team social events, massages in the office, free coffee and much more. MONEYME is an equal opportunity employer and we value diversity, equity, and inclusion. We are committed to creating a diverse and inclusive workplace and encourage applicants from all backgrounds to apply. We believe that the unique contribution of our employees is a key driver of our success. We stand together – our diversity and inclusion give us an edge.

Responsibilities

Lead insight generation to improve credit metrics and enhance credit policies based on macro-economic risks. Collaborate with stakeholders to deliver credit performance within risk appetite and manage monthly KPI reporting.