Job Title: Credit and Risk Manager (Max-Term Contract - 12 months)
Location: North Sydney
Employment Type: Full-Time
Industry: Financial Services / Consumer Lending

An established consumer lending fintech business is seeking an experienced and commercially minded Credit and Risk Manager to join their team.

In this role, you will be responsible for managing the organisation’s credit risk framework, credit operations, and portfolio performance across the lending lifecycle.

This role combines credit strategy, underwriting oversight, portfolio risk management, fraud monitoring, collections performance management, merchant risk oversight, compliance monitoring, and risk governance responsibilities. You will play a key role in supporting sustainable business growth while ensuring lending decisions remain aligned with responsible lending obligations, regulatory requirements, and the organisation’s risk appetite.

This role is ideally suited to an experienced credit risk professional who enjoys combining strategic thinking, data-driven analysis, and hands-on operational leadership within a fast-paced fintech setting.

Key Responsibilities

Credit Strategy & Policy

- Maintain and continuously enhance Credit Policy, underwriting standards, and approval authorities
- Monitor and recommend changes to credit scorecards, decisioning rules, affordability models, and risk settings
- Review and approve policy exceptions within delegated authority
- Support the development of new lending products and credit initiatives
- Balance portfolio growth objectives with prudent risk management outcomes

Credit Operations & Underwriting

- Oversee day-to-day credit assessment activities and underwriting quality
- Provide guidance and support to Credit Assessment Officers on complex applications
- Conduct quality assurance reviews and identify opportunities for continuous improvement
- Monitor application volumes, approval rates, conversion rates, and turnaround times
- Ensure lending decisions align with responsible lending obligations, internal policies, and regulatory requirements
- Lead and develop the Credit Assessment team,



ensuring high standards of credit quality, productivity, and customer outcomes
- Act as an escalation point and approval authority for complex, high-risk, or policy exception lending decisions within delegated limits.

Portfolio Risk Management

- Monitor portfolio performance across key risk metrics including approvals, arrears, defaults, losses, recoveries, and portfolio trends
- Conduct portfolio analysis to identify emerging risks and opportunities
- Develop and maintain portfolio reporting, dashboards, and performance insights
- Recommend risk mitigation strategies and portfolio optimisation initiatives
- Support forecasting, provisioning, and portfolio performance reviews
- Monitor portfolio performance by merchant, channel, customer segment, and product type to identify emerging risks and trends

Fraud, Collections & Hardship

- Oversee fraud prevention and detection controls across the lending lifecycle
- Monitor fraud trends, suspicious activity, and emerging financial crime risks
- Support collections and hardship strategies to improve portfolio performance and customer outcomes
- Work closely with Collections and Customer Operations teams to manage arrears and recovery performance
- Ensure customer treatment remains fair, compliant, and consistent with regulatory expectations
- Support AML/CTF controls and customer due diligence processes across the lending lifecycle

Governance & Stakeholder Management

- Prepare regular credit and portfolio risk reporting for management
- Support governance forums, audits, compliance reviews, and regulatory requests
- Maintain risk registers, action plans, and monitoring activities relevant to the credit function
- Support ongoing compliance with NCCP obligations,



ASIC regulatory guidance, Privacy requirements, AML/CTF obligations, and internal policies
- Support merchant onboarding, due diligence, periodic reviews, and ongoing monitoring activities
- Monitor merchant compliance with policies, responsible lending expectations, and regulatory obligations
- Identify and escalation merchant conduct, compliance, fraud, or operational risks
- Support the maintenance and continuous improvement of risk and compliance frameworks, policies, and procedures
- Work closely with Product, Operations, Sales, and Compliance teams to support business objectives
- Contribute to a strong risk and compliance culture across the organisation

About You

- 7+ years' experience in consumer lending, credit risk, underwriting, or portfolio management
- Experience within unsecured consumer lending, retail finance, fintech, or non-bank lending environments
- Robust understanding of responsible lending obligations, NCCP requirements, and credit risk management principles
- Experience with automated credit decisioning systems, scorecards, and lending platforms
- Strong analytical capability with experience interpreting portfolio and customer performance data
- Sound understanding of fraud prevention, collections, and hardship management practices
- Experience across both credit risk and compliance functions within consumer lending, fintech, or financial services environments
- Working knowledge of NCCP, RG209, RG271, AML/CTF, Privacy and consumer lending regulatory requirements
- Experience supporting merchant or third-party distribution models highly regarded
- Excellent stakeholder management and communication skills
- Relevant degree in Finance, Business, Economics, Mathematics, or a related discipline preferred

What you will get in return?

- Competitive salary aligned with market standards
- Flexible working arrangements
- A collaborative and high-performance team culture
- Career growth opportunities within a scaling fintech lending business
- Ongoing training and professional development

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📌 Credit and Risk Manager (North Sydney Council)
🏢 Avyaya Consulting
📍 North Sydney Council