Senior Credit Risk Manager

Why Tyro?
At Tyro, we're into business big time. Through our integrated payments, banking and lending solutions, we're here to ensure nothing stands in the way of Australian business success. With over 21 years' experience under our belt, we know what it takes to build something great, which is why we combine the best people, technology, and partners to deliver simplified payments and seamless business banking to our customers. We're proud to power more than 73,000 merchants across Australia and to work with more than 700 partners to create seamless experiences for hospitality, retail, services and health providers.

It starts with You.
Just like our customers, we're obsessed with the success of our people. So, when you come onboard, we'll give you all the support you need to do your best work. Our close to 600 Tyros are a highly collaborative team, so you'll get to work with smart, motivated and friendly people across Tyro. We are fast paced and innovative and strive to live our values everyday – commit to greatness, stay hungry, wow the customer, be good and win together We are big enough for you to have opportunities to have a career at Tyro and small enough that you can have a real impact. As we continue our mission to shake things up and make payments the easiest part of doing business, you'll have the opportunity to learn new skills with hands-on experience, further your career, and help unleash the potential of our customers, one payment at a time.

Step inside life at Tyro here.

The Senior Credit Risk Manager plays a key leadership role within Tyro's second line of defence, responsible for ensuring effective oversight of Tyro's credit risk frameworks, portfolio performance, and regulatory compliance. The role is responsible for underwriting standards, credit decisioning, collections and provisioning. This includes independent credit assessment, portfolio monitoring, policy implementation, and regulatory compliance. It partners closely with Product and Finance to maintain Tyro's credit risk within appetite and ensures compliance with APS 220 Credit Risk Management and Tyro's internal standards.

What You'll Do
Credit Risk Framework and Policy

• Lead the design, maintenance, and continuous improvement of Tyro's Credit Risk Management Framework and associated policies.
• Ensure frameworks and procedures remain aligned with APS 220 and the Risk Management Strategy.
• Provide second-line oversight and challenge to first-line credit and lending operations.
• Develop and monitor credit risk metrics and thresholds consistent with the Board-approved Risk Appetite Statement.

Portfolio Oversight and Risk Insights

• Monitor and report on the quality and performance of Tyro's credit portfolios.
• Analyse arrears, provisioning, loss trends, and write-offs; identify emerging risks and recommend mitigations.
• Support stress testing, scenario analysis, and portfolio segmentation analysis.
• Assist in the development of Board and BRC reporting packs.
• Oversee the development and implementation of effective debt collection strategies to maximise recovery and minimise losses.

Credit Risk Governance and Reporting

• Lead the preparation of credit-specific reporting for the Executive Risk Committee, and Lending Forum.
• Oversee provisioning models and ensure adequate governance around impairment recognition and write-off processes.

Regulatory Compliance and Assurance

• Ensure compliance with APRA Prudential Standards (APS 220, CPS 220) and ASIC lending requirements.
• Liaise with regulators, internal and external auditors on credit-related reviews.
• Support CPS 220 Risk Management Declaration processes.

Leadership and Capability Development

• Mentor the Credit Risk Manager.
• Contribute to a high-performing and collaborative risk culture.

What You'll Bring

• At least 7 years' experience in financial services, with a minimum of 5 years in a credit risk leadership role. Experience in fintech, non-bank lenders or challenger banks desirable.
• Strong understanding of SME credit risk products, including unsecured and secured business lending.
• Demonstrated ability to deliver high-quality, insightful reporting.
• Solid credit fundamentals and proven experience in a commercial lending environment.
• Ability to perform in-depth analysis of financial statements, cash flow forecasts, business models, and sector dynamics to assess repayment capacity and overall creditworthiness.
• Strong investigative, analytical and influencing skills, including experience in stress testing, scenario analysis and portfolio modelling to assess resilience under varying economic conditions.
• Highly organised with ability to meet deadlines.
• Advanced MS Office skills, particularly MS Excel.

What's in it for you?
We've worked hard to create an environment that's big on diversity, inclusion, and flexibility, and one that suits the changing needs of team members across Australia. Here are just some of the things Tyros tell us they love about working here.

You'll Also Receive

• A mix of in-office and remote working
• Learning and career development opportunities
• 16 weeks paid primary carers leave
• 12 weeks paid secondary carers leave
• Annual team-based volunteer day
• Birthday Leave
• Power Up Day (Additional day of leave)
• Weekly team social events, snacks, craft beer and wine, ping pong and video games
• Taco Tuesdays
• Mental health and wellness initiatives
• Novated leasing

Tyro is committed to a diverse, inclusive workplace where everyone thrives. We welcome applicants of all backgrounds and are an equal opportunity employer. If you need accommodations or adjustments at any stage of the recruitment process, simply inform our Talent team during your conversation with them.

Still with us?
If you've got this far, then you might just be a great fit for us. Don't tick all the boxes above? That's ok, apply anyway and our Talent team will review your profile - you might be a fit for future roles.