Credit Policy

Credit Policy & Collections Strategy Manager

Join to apply for the Credit Policy & Collections Strategy Manager role at Bluestone Home Loans

About Bluestone Home Loans

Homeownership is the Australian dream, yet the path can be challenging, especially when traditional lending can be strict and unforgiving. We're here to change that.

We help borrowers with complex or unique financial situations access the market with confidence when others won't, by providing tailored lending solutions. Enabling brokers to serve a wider range of clients, from self-employed to those with imperfect credit or seeking niche lending options.

With 25 years of experience, we've become a trusted leader in Australian lending, known for delivering flexible, innovative, and straightforward solutions that break the mould of traditional lending. At the heart of everything we do is a commitment to support more Australians achieve their dream of homeownership, because we believe everyone deserves the chance to build their future.

About The Role

Develop and maintain Bluestone's credit policy and build dynamic collections strategies to optimise the credit performance of the loan portfolio. Lead the development of portfolio credit analytics to monitor portfolio performance making policy recommendations to senior management.

Lead the design, execution, and performance tracking of Champion/Challenger collections initiatives, managing updates to credit policy, and the production of high-quality credit analytics and board/funder reporting.

Responsibilities
Credit Policy Management

• Own the end-to-end credit policy framework, ensuring alignment with risk appetite, funder agreements, regulatory obligations (e.g. NCCP), and evolving portfolio dynamics.
  
• Lead credit policy reviews and updates based on credit performance, macroeconomic indicators, and operational feedback.
  
• Liaise with internal stakeholders (Lending, Risk, Legal, Compliance, Sales) to ensure credit policy is clearly understood, consistently applied, and documented.
  

Collections Strategy

• Develop and implement targeted collections strategies to optimise performance across early and late-stage arrears.
  
• Design and run Champion/Challenger tests to trial different treatments, contact strategies, and segmentation approaches.
  
• Collaborate with Collections to operationalise strategy changes and monitor treatment outcomes.
  
• Analyse collections KPIs and iterate on strategies to improve cure rates, reduce roll rates, and minimise loss.
  

Credit Analytics & Portfolio Insights

• Lead credit performance analytics, delivering actionable insights on delinquency trends, arrears drivers, and risk concentrations.
  
• Manage and mentor the Credit Analyst to support accurate reporting, ad hoc analysis, and ongoing model and trend tracking.
  

Board, Funder, and Rating Agency Reporting

• Prepare high-quality, detailed credit performance reports for presentation to internal governance forums, including the Risk and Credit Committees and the Board.
  
• Support the CRO in meetings with warehouse funders, rating agencies, and other external stakeholders by providing analytical input and credit policy commentary.
  
• Ensure reporting meets the expectations of external parties and supports covenant compliance and transparency.
  

Your Experience

• Degree in Finance, Business, Economics, Data Analytics, or a related field.
  
• 5+ years' experience in credit risk, credit policy, or collections strategy, ideally within mortgage or secured lending.
  
• Experience working in a non-bank, fintech, or warehouse-funded lender environment.
  
• Strong experience managing credit policy frameworks and interpreting portfolio performance data.
  
• Exposure to securitisation, rating agency criteria, or warehouse facility covenants.
  
• Proven ability to design and execute Champion/Challenger strategies in a credit or collections setting.
  
• Strong understanding of Australian credit regulations and risk governance expectations.
  
• Confident communicator, with experience preparing and presenting reporting to boards, funders, or regulators.
  
• Hands-on, detail-oriented, and comfortable working in a lean, fast-paced environment.
  

What makes us a great place to work?
Benefits

• Employee Assistance Program (EAP)
  
• Bluestone Day
  
• Parental Leave
  
• Volunteer Leave
  

Next steps

Bluestone is an equal opportunity employer and welcomes applications from individuals of all backgrounds. Our hiring decisions are based on your experience, skills, enthusiasm, and your future potential in the role. If you feel that you meet some, but not all the requirements above, we still encourage you to apply. If you are invited to an interview, please advise us if you require any reasonable adjustments during the interview process, and what pronouns you use.

If you have any further questions, please reach out to us at

Seniority level

• Director
  

Employment type

• Full-time
  

Job function

• Accounting/Auditing and Finance
  

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