• Full-time permanent role
• $135k - $145k + super
• Sydney CBD location

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. This is a full-time permanent position based in our Sydney office.

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.
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