Risk Manager

3 weeks ago

Melbourne, Victoria, Australia Latitude Financial Services Full time
Risk Manager - Credit BureauLatitude Financial Services Melbourne, Australia Apply now Posted 21 days ago Permanent Competitive Risk Manager - Credit BureauLatitude Financial Services Melbourne, Australia Apply now

At Latitude, we make it possible - for our customers, our communities, and our people. We believe in creating opportunities that truly matter, helping you thrive both professionally and personally. That's why we offer benefits that make a real difference in your life.

We make it possible...

  • to spend more time with your loved ones - with an extra week of paid leave each year through our Take 5 initiative.
  • to balance work and life - with a hybrid working model, giving you the flexibility to work from home while connecting in the office just two days a week or work remote for certain roles.
  • to put your wellbeing first - with Sonder, a 24/7 support app for mental and physical wellness.
  • to access great financial benefits - with discounts on Latitude products and services.
The Risk Manager - Credit Bureau plays a pivotal role in the credit risk ecosystem by managing the organisation's relationship with credit reporting bodies (CRBs) and ensuring the integrity, compliance, and strategic use of credit bureau data. This role is responsible for maintaining compliance with the Australian and New Zealand credit reporting frameworks while supporting the development of data-driven risk strategies across acquisition, account management, and collections.

In this role, you'll:

Bureau Relationship & Contract Management
  • Serve as the primary point of contact for Australian and New Zealand credit bureaus.
  • Manage bureau contracts, service level agreements, and performance reviews.
  • Stay abreast of bureau product developments and ensure optimal service offerings for business needs.
Data Submission & Compliance
  • Oversee the accurate and timely submission of consumer credit data in line with CCR (Comprehensive Credit Reporting) obligations.
  • Ensure compliance with applicable legislation or regulatory guidance and industry frameworks and
    codes.
Bureau Data Governance & Quality
  • Monitor the accuracy, completeness, and consistency of data sent to and received from CRBs.
  • Establish and maintain internal data governance standards related to credit reporting.
Credit Risk Strategy Support
  • Partner with risk modelling and credit policy teams to optimise the use of bureau data in the credit strategy including scorecards, decision engines, and affordability models.
  • Provide insight into bureau data trends, credit file behaviours, and industry benchmarks.
  • Recommend strategic enhancements to the use of bureau data for credit risk management and customer lifecycle optimisation.
Audit, Reporting & Regulatory Engagement
  • Prepare regular internal reports on bureau data quality, reporting volumes, and compliance performance.
  • Support internal audits, regulatory inquiries, and external reviews related to credit reporting obligations.
  • Liaise with legal, compliance, and privacy teams to ensure end-to-end adherence to regulatory
    standards
About you:
  • Tertiary qualification in Finance, Business, Law, Data Science, or a related field.
  • 5+ years' experience in credit risk, data reporting, compliance, or a related function within financial services.
  • In-depth knowledge of Australia's credit reporting framework, including the Privacy Act and Credit Reporting Code.
  • Hands-on experience working with Credit Bureaus
  • Experience in working with or implementing Comprehensive Credit Reporting (CCR) frameworks.
  • Understanding of credit lifecycle management including origination, portfolio management, and collections.
  • Technical proficiency in tools such as Excel, SQL, Power BI, or SAS
  • Strong analytical skills with the ability to interpret large data sets.
  • Excellent stakeholder engagement and vendor management capabilities.
  • Meticulous attention to detail and a compliance-focused mindset.
  • Strong problem-solving and conflict resolution skills.
  • Effective communicator with the ability to translate technical data issues into business language.
Sound like you? That's a good sign In return for your energy and ideas, we offer a flexible working environment and great compensation. We always support a safe, healthy, engaging, and productive working environment for all employees and workers, whether that be in your home and office, or a combination of both.

We're Latitude, partners in money Latitude may seem like the new kid on the block, but it's taken us almost a hundred years to become an overnight success. Digital payments, cards and loans is what we offer - but what we really are is a platform that helps people shop and live better.Always living and breathing our values. Take ownership, Pursue Excellence, Win Together & Create Tomorrow.

We're not engaging any recruitment agencies for this role, so if you're interested. Please apply directly

Successful applicants will be required to complete a background check (including criminal history and bankruptcy check) prior to commencement of employment. Only open to Australian or New Zealand Permanent Residents or Citizens.

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