Head of Enterprise Collections, Risk

1 week ago


Melbourne, Victoria, Australia Latitude Financial Services Full time $120,000 - $180,000 per year

At Latitude, we make it possible – for our customers, our communities, and our people. We believe in creating opportunities that truly matter, helping you thrive both professionally and personally. That's why we offer benefits that make a real difference in your life.

We make it possible…

  • to spend more time with your loved ones – with an extra week of paid leave each year through our Take 5 initiative.
  • to balance work and life – with a hybrid working model, giving you the flexibility to work from home while connecting in the office just two days a week or work remote for certain roles.
  • to put your wellbeing first – with Sonder, a 24/7 support app for mental and physical wellness.
  • to access great financial benefits – with discounts on Latitude products and services.

We are seeking a strategic and results-driven leader to join our organisation as the Head of Enterprise Collections Risk, reporting directly to the Chief Risk Officer (CRO). This role is responsible for developing and executing the enterprise-wide credit risk strategy for accounts in arrears, with a focus on optimising collections performance and loss recovery across our credit card and lending portfolios.

The role also plays a critical part in driving innovation through strategic projects, including the adoption of new technology. The ideal candidate will bring deep expertise in credit risk management, collections analytics, and regulatory compliance, with a proven ability to lead cross-functional teams and manage third-party partnerships. 

In this role, you'll be responsible for:

Strategic Leadership:

  • Define and lead the enterprise collections risk strategy across all consumer credit products in Australia and New Zealand.
  • Develop and implement segmentation strategies for delinquent accounts to optimise collections effectiveness and customer outcomes.
  • Lead key strategic initiatives to modernise collections capabilities, including the use of AI, machine learning, and digital engagement tools through third-party vendors.
  • Lead and optimise the organisation's debt sale strategy to maximise recoveries and minimise risk.

Vendor & Partnership Oversight:

  • Manage key partnerships with outsourced debt collection agencies and third-party recovery providers.
  • Establish performance metrics, service level agreements (SLAs), and compliance standards for external partners.
  • Conduct regular performance reviews and audits to ensure alignment with strategic goals and regulatory expectations.
  • Risk Management & Analytics:

  • Analyse delinquency data and performance trends to identify ongoing opportunities for strategy optimisations and operational efficiencies
  • Ensure robust governance and controls are in place for all collections-related risk activities.
  • Monitor portfolio performance versus budget and produce required committee and board reporting and insights

Regulatory & Compliance:

  • Ensure full compliance with applicable Australian and New Zealand laws and regulatory guidelines.

Stakeholder Engagement:

  • Collaborate with Credit Risk, Product, Operations, Legal, Compliance, and Technology teams to align collections strategies with business objectives and regulatory requirements.
  • Present insights and recommendations to senior leadership and risk committees.

Team Leadership:

  • Lead and mentor a small team of risk managers / analysts.

Ideal Candidate Profile:

  • Bachelor's degree in a numeric discipline or a related field.
  • 10+ years of experience in credit risk management, with a strong focus on collections and recoveries.
  • Proven track record of developing and executing successful collections strategies in a financial services environment.
  • Strong analytical and quantitative skills, with experience in data-driven decision-making.
  • Experience managing third-party vendors or outsourced service providers.
  • Deep understanding of regulatory requirements related to collections and credit risk.
  • Excellent leadership, communication, and stakeholder management skills.

Latitude offers a flexible working environment. We support a safe, healthy, engaging, and productive working environment for all employees and workers, whether that be in your home, the 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, loans, and insurance 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. Take Ownership, Pursue Excellence, Win Together, Create Tomorrow.

We're not engaging any recruitment agencies for this role, so if you're interested. Please apply directly

Successful applicants will be required to complete a background check (including criminal history and bankruptcy check) prior to commencement of employment.

Only open to Australian or New Zealand Permanent Residents or Citizens.



  • Melbourne, Victoria, Australia beBeeRiskLeader Full time $160,000 - $240,000

    About This OpportunityThe organisation is seeking a strategic and visionary leader to drive a proactive and accountable risk culture across the business. As Head of Risk Culture and Capability, you will make a significant impact by embedding a strong risk culture, enhancing risk awareness and capability, and supporting strategic alignment with the Risk...


  • Melbourne, Victoria, Australia beBeeRisk Full time $100,000 - $120,000

    Job Title: Enterprise Risk StrategistWe are seeking an experienced Enterprise Risk Strategist to lead our organisation's risk management, internal audit, assurance, and policy frameworks. The successful candidate will develop and drive enterprise-wide risk and assurance strategies, integrating risk management practices with our business strategies and...


  • Melbourne, Victoria, Australia NAB Full time

    Head of Finance, Enterprise & Financial Crime Operations Join to apply for the Head of Finance, Enterprise & Financial Crime Operations role at NAB Head of Finance, Enterprise & Financial Crime Operations 1 day ago Be among the first 25 applicants Join to apply for the Head of Finance, Enterprise & Financial Crime Operations role at NAB A great...


  • Melbourne, Victoria, Australia beBeeRisk Full time $145,000 - $182,000

    Enterprise Risk Manager RoleRisk managers in our company play a pivotal role in the credit risk ecosystem by managing organisational relationships with credit reporting bodies and ensuring data integrity, compliance, and strategic use of credit bureau information.This position is responsible for maintaining regulatory compliance with Australian and New...


  • Melbourne, Victoria, Australia beBeeRiskManager Full time $200,000 - $240,000

    Leader of Risk Management InitiativesDevelops and implements comprehensive risk management strategies to minimize exposure across Commodities, Trade, and Carbon (CTC) products.Manages the end-to-end risk process for CTC clients within the IB&M portfolios.Responsibilities:Leads a portfolio of high-commodity-risk clients, including commodity traders and...


  • Melbourne, Victoria, Australia NAB Full time

    Head of Finance, Enterprise & Financial Crime OperationsJoin to apply for the Head of Finance, Enterprise & Financial Crime Operations role at NABHead of Finance, Enterprise & Financial Crime Operations1 day ago Be among the first 25 applicantsJoin to apply for the Head of Finance, Enterprise & Financial Crime Operations role at NABA great opportunity to...


  • Melbourne, Victoria, Australia Pepperstone Full time

    IntroductionThe Pepperstone story started in 2010. We know what it's like to trade the world's markets. Our team describes us as a place for the curious and the driven, and we like to do things a little differently; as a transformative global fintech we're digital, nimble, connected, and united in our vision to create a better way to trade.We thrive on...


  • Melbourne, Victoria, Australia Viva Energy Australia Full time $150,000 - $200,000 per year

    Company Description Do amazing work A career with Viva Energy is more than just a job. It's a chance to join a group of people dedicated to supporting Australia's evolving energy and convenience needs. We're a leading retail, industrial and energy business, and we've been helping Australians reach their destination for more than 120 years.  Our plans for...


  • Melbourne, Victoria, Australia beBeeRiskManager Full time $220,000 - $250,000

    Job DescriptionThe Chief Risk Officer (CRO) oversees the ongoing strategic development and implementation of risk management at a utility company.Responsible for maturing and leading a contemporary approach to uplifting enterprise-wide risk culture and compliance, providing strategic direction, leadership, and oversight.Key success factors include an...


  • Melbourne, Victoria, Australia Pepperstone Full time

    IntroductionThe Pepperstone story started in 2010. We know what it's like to trade the world's markets. Our team describes us as a place for the curious and the driven, and we like to do things a little differently; as a transformative global fintech we're digital, nimble, connected, and united in our vision to create a better way to trade.We thrive on...