Strategic Credit

2 days ago

Sydney, New South Wales, Australia beBeeCollectionsStrategy Full time $120,000 - $180,000
Lead Credit Policy & Collections Strategy Manager

We're seeking a highly skilled professional to develop and maintain our credit policy, drive collections strategy, and lead credit performance analytics.


About The Role

The ideal candidate will have 5+ years of experience in credit risk, credit policy, or collections strategy, ideally within mortgage or secured lending. They will be able to design and execute champion/challenger strategies, manage credit policy frameworks, and interpret portfolio performance data.


Credit Policy Management
  • Owning the end-to-end credit policy framework, ensuring alignment with risk appetite, funder agreements, regulatory obligations, and evolving portfolio dynamics.
  • Leading credit policy reviews and updates based on credit performance, macroeconomic indicators, and operational feedback.
  • Liasing with internal stakeholders to ensure credit policy is clearly understood, consistently applied, and documented.

Collections Strategy
  • Developing and implementing targeted collections strategies to optimise performance across early and late-stage arrears.
  • Designing and running champion/challenger tests to trial different treatments, contact strategies, and segmentation approaches.
  • Collaborating with collections to operationalise strategy changes and monitor treatment outcomes.
  • Analysing collections KPIs and iterating on strategies to improve cure rates, reduce roll rates, and minimise loss.

Credit Analytics & Portfolio Insights
  • Leading credit performance analytics, delivering actionable insights on delinquency trends, arrears drivers, and risk concentrations.
  • Managing and mentoring the credit analyst to support accurate reporting, ad hoc analysis, and ongoing model and trend tracking.

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

Key Qualifications
  • 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.

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