Credit Risk Manager

3 months ago

Melbourne, Australia Latitude Financial Services Full time

Yearly salary reviews + STI Bonus

The opportunity to join our Pay team at Latitude. The objective of this role is to lead the delivery of sustainable growth through initiatives that centre around the optimisation of credit risk origination and account management strategies for the Australian and New Zealand credit card portfolios.

The role requires the ability to take an initiative from conception to completion by working with the Head of Credit Risk to identify opportunities, influence key decision makers to endorse recommendations and partner cross functionally to deploy initiatives while monitoring key metrics to ensure performance remains within the businesses risk appetite.

In this role, you’ll be responsible for:

- Function as a key contributor to the credit risk cards team upholding the values placed on high quality, comprehensive and accurate insights that are both relevant and actionable.
- Responsibility of assessing the risk/reward trade-offs of key Pay business growth initiatives that should include
- Optimising origination policy to balance volume growth, credit risk exposure, operational overhead and complexity all within the credit risk appetite
- Utilising suitable and proven credit related information
(credit scoring, account management, external data and captured origination and behaviour data)
- Ensuring that all risk reward trade-offs fall within legal, regulatory and Latitude values
- Responsible to ensure that suitable monitoring of origination strategies have been operationally executed in accordance with Risk appetite and proposed strategies
- To provide senior business leaders with recommendations and alternatives for credit strategy optimisation
- Being accountable for the forecasted benefits associated with each strategy change and provide regular updates of the performance to the wider business which may include updates in key business forums.
- Take ownership of strategy changes ensuring they are implemented as per the risk requirements. This includes making sure that changes to credit risk strategies are fully tested and implemented in a timely manner.
- Monitoring the performance of the portfolio, identifying trends and communicating them to the wider business in a clear and concise manner.
- Be the senior credit risk SME as required in cross departmental work and activities, be that within specific projects or as part of a collaborative team
- To be the primary contact point as requested for product & operational teams to support the requirement to meet growth plans across A&NZ origination projects.
- In the event of operational risk events that credit risk are assigned ownership for - work cross functionally and in some cases drive delivery of the actions required to close such events.
- As required; manage, coach and mentor analysts to develop skills and knowledge so to encourage an engage, energise and motivate the wider risk team regulatory understanding to generate new ideas, challenge existing processes & strategies
- Facilitate such meetings, productions, presentations and stakeholder management that would be required for governance, portfolio / product review and audit purposes
- Work with the Pay leadership, Line 2 Risk and operations to provide tactical and strategic support in the areas of Risk management and risk oversight.

Ideally, we're looking for the following:

- Educated to degree level in a numerate or relevant commercial discipline
- A successful track record in Consumer Credit Risk Management
- Ability to code in SAS/SPSS/SQL to extract, analyse and make recommendations for specific pieces of analytics.
- Ability to maintain high standards of accuracy and work under pressure to achieve deadlines
- Strong communication skills, both written and verbal, with capabilities to articulate complex analytical information.
- Strong facilitation and negotiation skills.
- Experience in influencing stakeholders - both at a peer and senior level.
- Commercial business acumen.
- Collaborative, team player.
- Constantly seeks to challenge the way things are done.
- Comfortable in making decisions & taking accountability.
- Ability to demonstrate the Latitude values and behaviours

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. Act Right, Show Care, Be Curious.
- Successful applicants will be required to complete a background check (including criminal history and bankruptcy check

  • Risk Manager, Credit Risk

    7 months ago

    Melbourne, Australia Latitude Financial Services Full time

    Annual salary reviews and an appealing bonus package to complement your compensation + an attractive Bonus. Are you looking to leverage your analytical prowess and leadership skills in a dynamic role with a focus on credit risk management? If so, this opportunity might be perfect for you. As a vital member of our Credit Risk Pay team, you'll play a crucial...

  • Credit Risk Lead

    6 months ago

    Melbourne, Australia AGL Energy Full time

    Join the change. Together, we’ll make history. As we keep the lights on for over four million customers and move towards a more sustainable way of life, it’s an exciting time to be at AGL. We’re re-imagining how homes and business live and work across the country and we want you to be a part of it. This moment will define our time, and your career as...

  • Senior Risk Analyst, Credit Risk

    2 months ago

    Melbourne, Victoria, Australia Zip Full time

    Senior Risk Analyst, Credit RiskAt Zip, we're looking for a seasoned Senior Risk Analyst to join our Credit Risk team. As a key member of our team, you'll be responsible for designing, implementing, and managing Collection strategies to mitigate credit losses.Key Responsibilities:Lead the design, implementation, and management of Collection strategies to...

  • Credit Risk Manager

    5 months ago

    Melbourne, Australia Australia and New Zealand Banking Group Limited (ANZ) Full time

    Credit Risk Manager Credit Risk Manager Req ID: Department: AC Risk, Portfolio & Governance Division: Australia Commercial Location: Melbourne About UsAt ANZ, we're shaping a world where people and communities thrive, driven by a common goal: to improve the financial wellbeing and sustainability of our millions of customers.About the roleThe Retail Risk...

  • Credit Risk Analyst

    6 months ago

    Melbourne, Australia EnergyAustralia Full time

    **The Opportunity**: Reporting into the Wholesale Risk Leader, the Credit Risk Analyst in the Wholesale Risk team participates in key risk management activities including quantitative risk analysis and operations for identifying and measuring of risks related to wholesale and retail market activities. An opportunity to have direct exposure to a highly...

  • Strategic Credit Risk Manager

    3 weeks ago

    Melbourne, Victoria, Australia Kaizen Recruitment Full time

    About the CompanyKaizen Recruitment is a trusted partner in finding top talent for financial institutions.The company has a strong reputation for delivering high-quality candidates to its clients, including banks, superannuation funds, and other financial organizations.Job OverviewWe are seeking a highly skilled Strategic Credit Risk Manager to join our...

  • Credit Risk Analyst

    6 months ago

    Melbourne, Australia Angle Finance Full time

    Credit Risk Analyst Angle Finance is a leading non-bank asset finance company operating in the rapidly growing intermediary asset finance market. Our signature is Faster, Easier Finance, provided by consistent, predictable and reliable service propositions in everything we do. Our people make us remarkable. So we've built a culture of empowerment, enabling...

  • Risk Management Expert: Credit and Financial Risk Position

    4 weeks ago

    Melbourne, Victoria, Australia BankVic Full time

    Company OverviewBankVic is a certified B Corporation committed to transparency, accountability, and working in the best interest of its members, community, and employees. As a small bank, it offers a broad range of work opportunities and exposure to various parts of the organization.SalaryWe estimate the salary for this role to be around $120,000 - $180,000...

  • Head of Global Credit Strategy and Risk Management

    4 weeks ago

    Melbourne, Victoria, Australia MUFG Full time

    About This OpportunityJoin MUFG, where innovative minds collaborate to drive growth and success in the financial industry.We are seeking a seasoned professional with expertise in credit risk management to lead our Portfolio Management Unit (PMU) in Asia-Pacific. As Head of Global Credit Strategy and Risk Management, you will be responsible for designing and...

  • Credit and Financial Risk Management Expert

    3 weeks ago

    Melbourne, Victoria, Australia BankVic Full time

    About Us">We are a certified B Corporation, committed to transparency, accountability, and working in the best interest of our members, community, and each other.">Our Mission">We go further for those who serve, so they can go further in life.">The Opportunity">We are seeking a qualified Credit and Financial Risk Manager on a permanent full-time basis to...

  • Credit Risk Manager VIC

    3 weeks ago

    Melbourne, Victoria, Australia Bluefin Resources Full time

    Company OverviewBluefin Resources is a rapidly growing bank credit team with a genuine passion for collaborating with frontline to support growth and quality lending on book.About the RoleWe are seeking a proven business/commercial bank credit decisioner exercising a lending delegation of up to $15m to join our exceptional team. This role will require...

  • Credit Risk Analyst

    6 months ago

    Melbourne, Australia Angle Finance Full time

    Angle Finance is a leading non-bank asset finance company operating in the rapidly growing intermediary asset finance market. Our signature is Faster, Easier Finance, provided by consistent, predictable and reliable service propositions in everything we do. Our people make us remarkable. So we’ve built a culture of empowerment, enabling our people to make...

  • Data Analytics Risk Manager for Credit Strategy

    4 weeks ago

    Melbourne, Victoria, Australia Zip Full time

    Are you a seasoned data analyst with a passion for credit risk management?We are seeking a highly skilled Data Analytics Risk Manager to join our team in ANZ. As a key member of our Risk Management & Data Science team, you will play a critical role in driving business-critical initiatives attached to our strategy.Job DescriptionIn this challenging and...

  • Credit Manager

    1 month ago

    Melbourne, Victoria, Australia SDAH Saputo Dairy Australia (Holdings) Full time

    About the Role: We are seeking a highly skilled Credit Analyst to join our Group Finance team at SDAH Saputo Dairy Australia (Holdings). As a key player in our credit and collections functions, you will be responsible for managing an allocated debtor portfolio, maximizing cash flow, and building strong relationships with our clients and internal...

  • Senior Credit Risk Professional

    3 weeks ago

    Melbourne, Victoria, Australia Sustain Recruit Full time

    About Sustain Recruit">We are a leading non-bank lender seeking an experienced Senior Credit Risk Professional to join our Lending Operations team. This exciting opportunity offers the chance to make a significant impact in assessing credit applications and supporting business growth.Key Responsibilities:Evaluate loan applications and perform comprehensive...

  • Strategic Credit Risk Analyst

    2 weeks ago

    Melbourne, Victoria, Australia Commonwealth Bank Full time

    Commonwealth Bank OverviewAs a major financial institution in Australia, Commonwealth Bank is dedicated to serving the needs of individuals, businesses, and communities. With a strong focus on innovation and customer satisfaction, we strive to deliver exceptional banking services and solutions that make a positive impact on our customers' lives.About This...

  • Associate, Credit Risk Strategy

    6 months ago

    Melbourne, Australia MUFG Full time

    Do you want your voice heard and your actions to count? Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), the 7th largest financial group in the world. Across the globe, we’re 160,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term...

  • Head of Credit Risk Oversight

    6 months ago

    Melbourne, Australia Defence Bank Full time

    **Introduction**: About us. A unique life requires a unique bank. Defence Bank is a member-owned bank that has been proudly serving the Defence Community for 49 years. With over 28 branches across Australia and our award-winning app, Defence Bank is where our members need us - anywhere, anytime. The bank provides financial products and services to the...

  • Senior Credit Risk Specialist

    1 month ago

    Melbourne, Victoria, Australia Australia and New Zealand Banking Group Limited (ANZ) Full time

    Credit Risk Transformation SpecialistThis is a key role in shaping a world where people and communities thrive.The Retail Risk Manager is responsible for supporting the Retail Risk Lead in reviewing a transformation of the Commercial Division focused on Credit Risk Transformation.About the Role:This role is responsible for reviewing and challenging digital...

  • Project Manager > Banking

    6 months ago

    Melbourne, Australia Firesoft People Full time

    Project Manager > Banking / Credit-Risk Technology is at the core of any successful #digitaltransformation and Mindtree Minds are helping the world's leading companies enable and continuously differentiate themselves with next-gen technologies, and hyperscale #cloud-native services to maximize growth and deliver business value. Mindtree’s professional...