Risk Governance Expert

4 days ago


Melbourne, Victoria, Australia ClearCompany Full time

About ClearCompany

We are a purpose-driven mutual bank that provides banking products and services to our members.

Role Overview

As a Senior Credit Risk Manager, you will be responsible for overseeing the credit lifecycle, ensuring lending aligns with risk appetite and regulatory requirements. You will develop and implement credit risk strategies, governance, and policies while providing strong second-line oversight and assurance to ensure effective business execution.

Key Responsibilities

  1. Develop and maintain an enterprise-wide credit risk framework aligned with strategy, size, and complexity;
  2. Ensure consistency between strategy, Risk Appetite Statement, Credit Policy, and protection requirements;
  3. Maintain and oversee Credit Risk Policy application;
  4. Facilitate credit risk governance by chairing the Credit Committee;
  5. Collaborate with stakeholders to integrate risk management across the organisation and strengthen the three lines of defence model;
  6. Conduct cyclical risk reviews, including quarterly risk assessments and control attestations;
  7. Analyse credit incidents to identify trends, root causes, and sustainable treatments;
  8. Support risk governance, set limits, and promote a positive risk culture.

Qualifications and Experience

  1. Tertiary education, preferably with specialisation in finance, business, law or commerce;
  2. Significant experience in credit risk, policy settings, lending, lifecycle, and portfolio analytics from a Line 2 perspective;
  3. Experience with automated underwriting and technology solutions to enhance processes;
  4. Proficient in GRC systems, Microsoft Excel, and analytical tools;
  5. Strong track record in regulatory engagement, building and maintaining effective stakeholder relationships;
  6. Ability to influence strategy, manage risks, and provide oversight to ensure risk policies are followed;
  7. In-depth knowledge of banking legislation (ASIC, APRA) and prudential standards.

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