Banking Finance Credit Collections Sydney Permanent / Full Time Strong 2nd line Credit Risk experience Experience within credit decisioning Credit strategy expertise An established and growing financial services organisation is seeking an experienced Credit Risk Manager to join its risk function.
This is an prospect to play a key role in shaping credit risk strategy, portfolio performance, and lending decision frameworks within a dynamic and regulated environment.
Reporting to senior leadership, you will be responsible for developing and enhancing credit risk policies, monitoring portfolio performance, analysing credit trends, and providing data-driven recommendations that support sustainable business growth.
Key Responsibilities Develop, review, and maintain credit risk policies and risk appetite settings.
Monitor portfolio performance, identifying emerging risks and trends.
Analyse lending data to support strategic decision-making and risk mitigation.
Design and enhance credit decisioning strategies across customer segments.
Develop and monitor key credit risk metrics, dashboards, and reporting.
Conduct portfolio stress testing and scenario analysis.
Recommend improvements to underwriting policies and credit assessment processes.
Work closely with Credit, Finance, Collections, Compliance, and Technology teams to optimise risk outcomes.
Support new product development through credit risk assessments.
Present portfolio insights and recommendations to senior management.




Skills Experience Demonstrated experience in credit risk within consumer lending, commercial lending, asset finance, or financial services.
Strong understanding of Australian lending regulations, including: National Consumer Credit Protection Act **** (NCCP Act) National Credit Code ASIC regulatory requirements Responsible lending obligations (where applicable) Experience developing and monitoring credit risk frameworks.
Strong analytical and problem-solving skills with a commercial mindset.
Excellent communication and stakeholder management skills.
Technical Skills Experience with several of the following is highly regarded: Advanced SQL for querying, analysing, and validating large datasets.
Python or R for statistical analysis, modelling, and automation.
Microsoft Excel (advanced functions, Power Query, PivotTables, VBA desirable).
Power BI or Tableau for dashboard development and portfolio reporting.
SAS (desirable).
Experience working with data warehouses and large relational databases.
Knowledge of credit bureau data (Equifax, illion, or Experian).
Experience with credit decision engines and workflow platforms.
Exposure to scorecard development, behavioural modelling, or probability of default (PD) models.
Understanding of IFRS 9 or Expected Credit Loss (ECL) methodologies (desirable).
Experience using portfolio monitoring, reporting, or risk management systems.

📌 Credit Risk Manager (New South Wales)
🏢 FourQuarters Recruitment
📍 New South Wales