Credit strategy design and optimisationDevelop and improve strategies across originations, account management, and collections using segmentation, decision logic, and performance analysis.Portfolio insight and performance monitoringIdentify key trends, drivers, emerging risks, and opportunities.Translate analysis into practical recommendations that improve portfolio outcomes.Governance and controlled change deliverySupport high-quality implementation through testing, validation, documentation, and traceability aligned to policy and regulatory expectations.Analytics and continuous improvementUse data, analytical tools, and modern platforms to strengthen decisioning, improve operational effectiveness, and enhance customer outcomes.Cross-functional collaboration and executionPartner with business, technology, operations, finance, compliance, and risk teams to ensure strategies are practical, implemented correctly, and performing as intended in production.RequirementsExperience in credit risk, preferably in retail lendingStrong analytical capability, with the ability to interpret complex data, identify meaningful patterns, and derive insights that inform actionStrong skills in SQL, Python, SAS, Excel, Tableau, or similar tools used for analysis and performance monitoringExperience 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 performanceSound understanding of Australian retail credit portfolios,



including key segments, performance drivers, and the broader risk landscapeUnderstanding of core portfolio metrics such as losses, recoveries, provisions, and return outcomesStrong problem-solving, structured thinking, and collaboration skills, with confidence working across business and risk stakeholdersA curious mindset, strong sense of ownership, and willingness to keep learning and improvingA tertiary qualification in a quantitative, analytical, commercial, legal, technology, or related discipline is valued, or equivalent practical experience.Core CompetenciesDemonstrates expertise in credit strategy design and optimization, leveraging solid 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 keywordsCredit Risk AnalysisSQL ProficiencyPython ProgrammingData Platform ExperiencePortfolio Performance MonitoringATS Optimization KeywordsHard SkillsCredit Strategy DesignPerformance AnalysisSegmentation TechniquesDecision Logic DevelopmentAnalytical Tools UsageSoft SkillsProblem-SolvingStructured ThinkingCollaborationCuriosityOwnershipCertifications & QualificationsTertiary Qualification in Quantitative DisciplineIndustry KeywordsRetail LendingAustralian Retail Credit PortfoliosPortfolio MetricsRisk LandscapeOperational EffectivenessTools & TechnologiesSASExcelTableauBigQuerySnowflake
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📌 Credit Risk Manager (Melbourne)
🏢 Jobtailor
📍 Melbourne