Chief Credit Policy Officer

3 days ago

Sydney, New South Wales, Australia beBeeCreditPolicy Full time $180,000 - $250,000
Credit Policy and Collections Strategy

Develop, maintain, and optimise Bluestone's credit policy to drive loan portfolio performance. Lead the development of credit analytics to monitor portfolio performance and inform senior management decisions.

Design, execute, and track Champion/Challenger collections initiatives. Manage updates to credit policy, produce high-quality credit analytics, and provide board/funder reporting.

Responsibilities:Credit Policy Management
  • Own the end-to-end credit policy framework, aligning with risk appetite, funder agreements, regulatory obligations, and evolving portfolio dynamics.
  • Lead credit policy reviews and updates based on credit performance, macroeconomic indicators, and operational feedback.
  • Liaise with stakeholders to ensure clear understanding, consistent application, and documentation of credit policy.
Collections Strategy
  • Develop targeted collections strategies to improve 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 enhance cure rates, reduce roll rates, and minimise loss.
Credit Analytics and 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 credit performance reports for internal governance forums, including the Risk and Credit Committees and the Board.
  • Support the Chief Risk Officer in meetings with warehouse funders, rating agencies, and other external stakeholders by providing analytical input and credit policy commentary.
  • Ensure reporting meets external expectations and supports covenant compliance and transparency.

Our workplace values inclusivity and diversity.

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