AD, Consumer Credit

Date: 11 Nov 2025

Location: Sydney, Australia

Company: Singtel Group

Optus is an Australian telecommunications company, delivering more than 11 million services to our customers every day across mobile, broadband and digital solutions

Join Optus' Group Finance and Corporate division, leading strategic credit risk management within a high-performing Billing and Credit team. As Associate Director, Consumer Credit Risk, you'll define and drive credit risk strategy, shape lending frameworks, and embed risk appetite across customer and product segments. This senior leadership role balances growth, resilience, and fairness, partnering with key stakeholders across Finance, Product, Regulatory, and Operations

You'll oversee credit decisioning governance, lead portfolio performance improvements, and ensure alignment with financial, regulatory, and societal obligations. Success in this role requires deep technical expertise in credit risk, strategic vision, and the ability to influence at executive level while maintaining the highest standards of integrity and performance.

What You'll Do:

• Define and translate credit risk appetite into portfolio-level strategies and consumer credit policies.
• Drive portfolio performance, including remediation initiatives and delivery of AOP-aligned outcomes.
• Lead model and policy initiatives, specifying business requirements and partnering with technical teams for delivery.
• Manage governance and compliance, including committee engagement, audit responses, and stakeholder communications.
• Influence product and collections strategy through a risk lens to ensure alignment with credit frameworks.
• Represent credit risk in senior executive forums, product planning, and performance reviews, escalating material credit events as needed.

What makes you perfect for the role?

• Degree in Actuarial Studies, Data Science, Statistics or related field
• 8+ years in credit risk or advance analytics leadership roles
• Expertise in statistical modelling, ML/AI techniques, and decision science, with strong skills in Python/R, SQL, Databricks, and model deployment frameworks.
• Deep understanding of credit decisioning architecture, model governance, and risk policy frameworks, with experience in deploying and monitoring models at scale.
• Proficient in Power BI/Tableau, PowerPoint, and Excel for reporting and stakeholder engagement.
• Strong leadership and team development capabilities, with executive-level communication skills and the ability to influence senior stakeholders.
• Deep understanding of risk governance and compliance, combined with strategic thinking and strong commercial insight.

What's in it for you?

• Competitive remuneration and employee discounts. Make life easier (and more affordable) with $80 monthly credit and 25% off Optus products and unique shopping discounts with our retail partners.
• Flexible working arrangements with opportunities to work three days in the office, two days remote or home.
• Vibrant and collaborative office campus that includes cafes, convenience store, chill out zones, GP, post office, gym and on-site childcare centre.
• Competitive leave policies, including additional 'Connected' days to focus on culture, family, health, community, or whatever's important to you.
• We support growing families with inclusive, carer-neutral paid Parental Leave of up to 16 weeks.
• Direct your own development and build future-ready skills with Optus U's industry-focused micro-credentials, developed with La Trobe and Macquarie Universities.
• Build meaningful connections through employee-led networks and diversity initiatives including Culture Connect, Elevate Women, Disability Network and Express Yourself (LGBTQIA+).
• Put your wellbeing first with free access to counselling and support services, 24/7 — in-person, by phone, SMS, or video.
• Free Optus bus from Macquarie University Metro Station (every 6-8 minutes); morning and afternoon (Sydney Office only).

At Optus, we are strengthened by others and that means valuing diversity and saying 'yes' to embracing individual differences. We are committed to ensuring that our application process provides an equal employment opportunity to all job seekers, including individuals from diverse gender, cultural and linguistic backgrounds, individuals with a disability, individuals identifying as being part of the LGBTQIA+ community, individuals who may have served in the armed forces or who identify as Aboriginal and/or Torres Strait Islander. We also want to do our best to make our recruitment process inclusive. If you require any adjustments or accessibility support to participate fairly and equitably in the recruitment process, please email or call We're here to help. When you contact us, please advise your preferred method of contact and we will be in touch within 48 hours.

For more information on Diversity, Inclusion & Belonging at Optus, please visit