A rare opportunity exists for an experienced Credit Risk professional to step into a senior leadership role, partnering closely with the Chief Risk Officer and Executive team to shape and lead the Credit Risk function.

This role will take ownership of the Credit Risk Management Framework, providing independent second line oversight while ensuring alignment to regulatory requirements and risk appetite.

You will play a critical role in strengthening risk governance, delivering strategic insights, and supporting sustainable portfolio growth.

Key Responsibilities

- Lead and continuously enhance the Credit Risk Management Framework, ensuring alignment to risk appetite and regulatory expectations
- Provide independent second line oversight across the credit lifecycle, including provisioning, decisioning models and portfolio performance
- Drive the development of credit risk metrics, insights and reporting to Executive and Board stakeholders
- Own and manage credit risk appetite settings, including KRIs and Board reporting
- Conduct stress testing, scenario analysis and portfolio reviews to assess resilience and emerging risks
- Deliver high-quality credit risk reporting and insights to Executive Committees and Board forums
- Oversee credit data integrity and reporting frameworks to support informed decision making
- Provide subject matter expertise across business initiatives, ensuring credit risk considerations are embedded
- Lead engagement with regulators, including preparation for regulatory reviews and responses
- Influence and drive a strong risk culture across the organisation

Head of Credit Risk





A rare opportunity exists for an experienced Credit Risk professional to step into a senior leadership role, partnering closely with the Chief Risk Officer and Executive team to shape and lead the Credit Risk function.

This role will take ownership of the Credit Risk Management Framework, providing independent second line oversight while ensuring alignment to regulatory requirements and risk appetite.

You will play a critical role in strengthening risk governance, delivering strategic insights, and supporting sustainable portfolio growth.

Key Responsibilities

- Lead and continuously enhance the Credit Risk Management Framework, ensuring alignment to risk appetite and regulatory expectations
- Provide independent second line oversight across the credit lifecycle, including provisioning, decisioning models and portfolio performance
- Drive the development of credit risk metrics, insights and reporting to Executive and Board stakeholders
- Own and manage credit risk appetite settings, including KRIs and Board reporting
- Conduct stress testing, scenario analysis and portfolio reviews to assess resilience and emerging risks
- Deliver high-quality credit risk reporting and insights to Executive Committees and Board forums




- Oversee credit data integrity and reporting frameworks to support informed decision making
- Provide subject matter expertise across business initiatives, ensuring credit risk considerations are embedded
- Lead engagement with regulators, including preparation for regulatory reviews and responses
- Influence and drive a strong risk culture across the organisation

About You

- 8+ years’ experience in banking and credit risk, with deep expertise across the full credit lifecycle including both retail and commercial customers
- Proven experience operating at a senior level
- Solid understanding of prudential standards and regulatory frameworks (including APS 220)
- Demonstrated ability to lead risk frameworks, portfolio analysis, and credit risk reporting
- Advanced analytical capability, with strong numeracy and understanding of statistical techniques
- Experience in stress testing, provisioning and credit decisioning models
- Highly developed communication and influencing skills
- Tertiary qualification in business, finance, economics or a related discipline

Why Apply

- Senior leadership role with direct exposure to Executive and Board
- Opportunity to shape credit risk strategy and frameworks
- High-impact position influencing business performance and risk outcomes
- Collaborative environment with strong stakeholder engagement

If you're a senior Credit Risk leader looking for a role with meaningful influence and visibility, this is an outstanding opportunity to make a genuine impact.

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📌 Head of Credit Risk (New South Wales)
🏢 TTG Recruitment
📍 New South Wales