- Credit strategy design and optimisation
- Develop and improve strategies across originations, account management, and collections using segmentation, decision logic, and performance analysis.
- Portfolio insight and performance monitoring
- Identify key trends, drivers, emerging risks, and opportunities.
- Translate analysis into practical recommendations that improve portfolio outcomes.
- Governance and controlled change delivery
- Support high-quality implementation through testing, validation, documentation, and traceability aligned to policy and regulatory expectations.
- Analytics and continuous improvement
- Use data, analytical tools, and modern platforms to strengthen decisioning, improve operational effectiveness, and enhance customer outcomes.
- Cross-functional collaboration and execution
- Partner with business, technology, operations, finance, compliance, and risk teams to ensure strategies are practical, implemented correctly, and performing as intended in production.

Requirements

- Experience in credit risk, preferably in retail lending
- Strong analytical capability, with the ability to interpret complex data, identify meaningful patterns, and derive insights that inform action
- Robust skills in SQL, Python, SAS, Excel, Tableau, or similar tools used for analysis and performance monitoring
- Experience working with modern data platforms (for example BigQuery, Snowflake, or similar cloud-based environments)
- Ability to translate analysis into clear, practical recommendations that balance customer outcomes, risk appetite, and business performance
- Sound understanding of Australian retail credit portfolios, including key segments,



performance drivers, and the broader risk landscape
- Understanding of core portfolio metrics such as losses, recoveries, provisions, and return outcomes
- Strong problem-solving, structured thinking, and collaboration skills, with confidence working across business and risk stakeholders
- A curious mindset, strong sense of ownership, and willingness to keep learning and improving
- A tertiary qualification in a quantitative, analytical, commercial, legal, technology, or related discipline is valued, or equivalent practical experience.

Core Competencies

Demonstrates expertise in credit strategy design and optimization, leveraging strong analytical skills and modern data platforms to enhance portfolio performance and customer outcomes. Proficient in translating complex data insights into actionable recommendations while ensuring compliance with regulatory expectations.

Highest-signal resume keywords

- Credit Risk Analysis
- SQL Proficiency
- Python Programming
- Data Platform Experience
- Portfolio Performance Monitoring

ATS Optimization Keywords

Hard Skills

- Credit Strategy Design
- Performance Analysis
- Segmentation Techniques
- Decision Logic Development
- Analytical Tools Usage

Soft Skills

- Problem-Solving
- Structured Thinking
- Collaboration
- Curiosity
- Ownership

Certifications & Qualifications

- Tertiary Qualification in Quantitative Discipline

Industry Keywords

- Retail Lending
- Australian Retail Credit Portfolios
- Portfolio Metrics
- Risk Landscape
- Operational Effectiveness

Tools & Technologies

- SAS
- Excel
- Tableau
- BigQuery
- Snowflake

#J-18808-Ljbffr

📌 Credit Risk Manager (Melbourne)
🏢 Jobtailor
📍 Melbourne