" \u003cdiv class=\"ja-job-details\"\u003e \u003ch2 class=\"title\"\u003eCredit Risk Manager\u003c/h2\u003e \u003cdiv class=\"meta\"\u003e \u003cul class=\"classifications\"\u003e \u003cli data-id=\"15337\"\u003e Banking \u0026amp; Finance \u003c/li\u003e \u003cli data-id=\"15338\"\u003e Credit \u0026amp; Collections \u003c/li\u003e \u003cli data-id=\"15339\"\u003e Sydney \u003c/li\u003e \u003cli data-id=\"15340\"\u003e Permanent / Full Time \u003c/li\u003e \u003c/ul\u003e \u003cp class=\"date-posted\"\u003e 28/9/2026 \u003c/p\u003e \u003c/div\u003e \u003cul class=\"bullet-points\"\u003e \u003cli\u003eStrong 2nd line Credit Risk experience\u003c/li\u003e \u003cli\u003eExperience within credit decisioning\u003c/li\u003e \u003cli\u003eCredit strategy expertise\u003c/li\u003e \u003c/ul\u003e \u003cdiv class=\"description\"\u003e 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.\u003cbr\u003e 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.\u003cbr\u003e \u003cbr\u003eKey Responsibilities \u003cul\u003e \u003cli\u003eDevelop, review, and maintain credit risk policies and risk appetite settings.\u003c/li\u003e \u003cli\u003eMonitor portfolio performance, identifying emerging risks and trends.\u003c/li\u003e \u003cli\u003eAnalyse lending data to support strategic decision-making and risk mitigation.\u003c/li\u003e \u003cli\u003eDesign and enhance credit decisioning strategies across customer segments.\u003c/li\u003e \u003cli\u003eDevelop and monitor key credit risk metrics, dashboards, and reporting.\u003c/li\u003e \u003cli\u003eConduct portfolio stress testing and scenario analysis.\u003c/li\u003e \u003cli\u003eRecommend improvements to underwriting policies and credit assessment processes.\u003c/li\u003e \u003cli\u003eWork closely with Credit, Finance, Collections, Compliance, and Technology teams to optimise risk outcomes.\u003c/li\u003e \u003cli\u003eSupport new product development through credit risk assessments.\u003c/li\u003e \u003cli\u003ePresent portfolio insights and recommendations to senior management.\u003c/li\u003e \u003c/ul\u003e Skills \u0026amp; Experience \u003cul\u003e \u003cli\u003eDemonstrated experience in credit risk within consumer lending, commercial lending, asset finance, or financial services.\u003c/li\u003e \u003cli\u003eStrong understanding of Australian lending regulations, including: \u003cul\u003e \u003cli\u003eNational Consumer Credit Protection Act 2009 (NCCP Act)\u003c/li\u003e \u003cli\u003eNational Credit Code\u003c/li\u003e \u003cli\u003eASIC regulatory requirements\u003c/li\u003e \u003cli\u003eResponsible lending obligations (where applicable)\u003c/li\u003e \u003c/ul\u003e \u003c/li\u003e \u003cli\u003eExperience developing and monitoring credit risk frameworks.\u003c/li\u003e \u003cli\u003eStrong analytical and problem-solving skills with a commercial mindset.\u003c/li\u003e \u003cli\u003eExcellent communication and stakeholder management skills.\u003c/li\u003e \u003c/ul\u003e Technical Skills Experience with several of the following is highly regarded:\u003cbr\u003e \u003cul\u003e \u003cli\u003eAdvanced SQL for querying, analysing, and validating large datasets.\u003c/li\u003e \u003cli\u003ePython or R for statistical analysis, modelling, and automation.\u003c/li\u003e \u003cli\u003eMicrosoft Excel (advanced functions, Power Query, PivotTables, VBA desirable).\u003c/li\u003e \u003cli\u003ePower BI or Tableau for dashboard development and portfolio reporting.\u003c/li\u003e \u003cli\u003eSAS (desirable).\u003c/li\u003e \u003cli\u003eExperience working with data warehouses and large relational databases.\u003c/li\u003e \u003cli\u003eKnowledge of credit bureau data (Equifax, illion, or Experian).\u003c/li\u003e \u003cli\u003eExperience with credit decision engines and workflow platforms.\u003c/li\u003e \u003cli\u003eExposure to scorecard development, behavioural modelling, or probability of default (PD) models.\u003c/li\u003e \u003cli\u003eUnderstanding of IFRS 9 or Expected Credit Loss (ECL) methodologies (desirable).\u003c/li\u003e \u003cli\u003eExperience using portfolio monitoring, reporting, or risk management systems.\u003c/li\u003e \u003c/ul\u003e \u003c/div\u003e \u003cdiv class=\"apply\"\u003e \u003ca class=\"back-link\" href=\"#\" title=\"Back to search results\"\u003eBack to search results\u003c/a\u003e \u003cinput type=\"button\" class=\"ja-button\" data-job-id=\"4474039\" value=\"Apply Now\" title=\"Apply Now\" /\u003e \u003c/div\u003e \u003c/div\u003e "