Credit Risk Manager

2 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

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