Analyst - Portfolio Credit Risk

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Analyst - Portfolio Credit Risk
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Judo Bank
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A bit about us
At Judo, we're more than just a business bank – we're pioneers in redefining business banking for the modern era. Rooted in timeless values such as integrity, trusted relationships, and a challenger spirit, we're dedicated to revolutionising business banking for Small to Medium Enterprises (SMEs) across Australia. Our journey began in 2016 with a bold vision and a PowerPoint slide, driven by a desire to challenge the status quo in an industry dominated by the major players. In just a few short years, we've grown exponentially, establishing ourselves as one of the fastest-growing new banks globally, with 27 offices spanning the nation.
Job Type:
Permanent - Full Time
Location:
Melbourne or Sydney
Job Category:
Credit
A bit about us
At Judo, we're more than just a business bank – we're pioneers in redefining business banking for the modern era. Rooted in timeless values such as integrity, trusted relationships, and a challenger spirit, we're dedicated to revolutionising business banking for Small to Medium Enterprises (SMEs) across Australia. Our journey began in 2016 with a bold vision and a PowerPoint slide, driven by a desire to challenge the status quo in an industry dominated by the major players. In just a few short years, we've grown exponentially, establishing ourselves as one of the fastest-growing new banks globally, with 27 offices spanning the nation.
At the heart of our ethos lies a commitment to supporting Australian SMEs, placing our people and customers front and centre in everything we do. Our agility and adaptability enable us to say 'yes' when other banks say 'no', making it easier for our customers to secure the funding they need, precisely when they need it. We take immense pride in our personal approach to banking, fostering diverse relationships and cultivating a collaborative culture within our team.
Our culture – come and join a multi-award-winning place to work
We firmly believe that culture eats strategy for breakfast, lunch, and dinner and the most important investment we can make is in our people. Our Values of trust, teamwork, accountability and performance underpin the foundation of our culture.
We're not your average bank. Judo was built from the ground up, with one purpose: to be the most trusted SME business bank in Australia. We made sure to cultivate a space where bureaucracy is left at the door - where our customers come first with relationships at the core of what we do. We aspire to think differently, inviting new ideas, and creating a space where everyone feels like they belong because we know that it's our unique differences that make us collectively stronger.
We are thrilled to be externally recognised for our unique culture too We were awarded the #1 ranking in LinkedIn's Top Companies in Australia list as well as named in the AFR's BOSS Best Places To Work list for 3 years in a row. We're also super proud to be included in the 2024 HRD Australia 5-Star Employers of Choice list and officially be Great Place To Work Australia certified
Our people and our culture are truly our secret sauce.
Job Description
Now, about this role...
If you love:
Collaborating with teams across the business including Risk, Finance, Relationship and Investor Relations.
Being part of a diverse workplace where your unique skills, experiences and perspectives help strengthen and grow Judo's foundations.
Then this just might be...your dream job:
Assist with ensuring the Credit Risk Engine appropriately calculates expected credit losses (collective provisions) and application of credit methodology.
Maintaining, executing, and enhancing the credit provision calculations.
Look to uplift and automate current operating processes within Snowflake.
Undertaking detailed analytics on provision movements and delivering insight to Management; assessing provision adequacy to ensure that Judo is appropriately providing for projected credit deterioration.
Evaluating current provision methodology to ensure it remains fit for purpose.
Regular internal reporting to Management Board, Risk Committees, and the Board.
Supporting the Finance/Investor Relations team with key external reporting deliverables.
Assist with key external credit risk reporting deliverables to key external stakeholders (e.g. Shareholders, APRA, Rating Agencies, Debt Funders), including several regulatory reporting forms to APRA/RBA.
Identifying opportunities for improvement and challenging the current status quo.
Supporting the Head of Portfolio Credit Risk and the broader Credit Risk team's objectives.
Desired Skills and Experience
A little bit about you...
The skills you've picked up along the way:
Experience working with credit provision models.
Understanding on AASB 9 accounting standard.
Experience working with analytics tools - e.g. Python, R, and SQL, Power BI.
Experience using Snowflake and Confluence, reporting and documentation environments.
Ability to analyse data and present information that is easy to interpret and digest.
Ability to communicate complex concepts to stakeholders.
Sound knowledge and experience of understanding credit risk management and regulatory frameworks.
Demonstrated ability to solve problems, particularly related to credit provisioning.
Excellent attention to detail.
Self-starter and a proven ability to build networks.
Strong communication (written and verbal).
"Can do attitude" who is willing to challenge current ways of thinking.
At Judo, our culture sets us apart.
Our Values:
Accountability: Make decisions and own them. Do what you say.
Performance: Strive to improve each day, surpassing yesterday's achievements.
Teamwork: We're not just a team; we're a champion team.
Trust: The cornerstone of our purpose and relationships.
We're seeking individuals who embody resilience, positivity, curiosity, hunger for success, adaptability, passion, courage, decisiveness, and a hands-on approach.
What our team members say about us:
Our people are empowered to make decisions, take ownership, and contribute to a collaborative environment. Bureaucracy is non-existent as we focus on collective success. At Judo, diversity isn't just valued; it's celebrated. We're committed to creating an inclusive environment where everyone thrives, making us collectively stronger. Our team works tirelessly towards our purpose while enjoying the journey of revolutionizing Australian SME business banking.
Perks of joining us:
Additional 2 weeks of leave annually (that's 6-weeks per year)
Big life event leave
Home office setup allowance
Access to CU Health
Flexible work options, embracing a true hybrid model.
If this resonates with you, reach out - we'd love to hear from you.
To learn more about how Judo manages your personal information during the recruitment process, please refer to our Privacy Statement. By providing your information, you consent to its collection, use, disclosure, and management as outlined therein.
Please no agencies We maintain a preferred panel, and kindly request no unsolicited contact. We do not hold any responsibility for dispute over candidate ownership if you have not been engaged directly.
Seniority level
Entry level
Employment type
Full-time
Job function
Finance and Sales
Industries: Banking
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