Job Description
Job Title: Credit and Risk Manager (Max-Term Contract - 12 months)
n Location: North Sydney
n Employment Type: Full-Time
n Industry: Financial Services / Consumer Lending
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An established consumer lending fintech business is seeking an experienced and commercially minded Credit and Risk Manager to join their team.
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In this role, you will be responsible for managing the organisation's credit risk framework, credit operations, and portfolio performance across the lending lifecycle.
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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.
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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 environment.
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Key Responsibilities
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Credit Strategy & Policy
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Maintain and continuously enhance Credit Policy, underwriting standards, and approval authorities
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Monitor and recommend changes to credit scorecards, decisioning rules, affordability models, and risk settings
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Review and approve policy exceptions within delegated authority
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Support the development of new lending products and credit initiatives
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Balance portfolio growth objectives with prudent risk management outcomes
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Credit Operations & Underwriting
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Oversee day-to-day credit assessment activities and underwriting quality
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Provide guidance and support to Credit Assessment Officers on complex applications
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Conduct quality assurance reviews and identify opportunities for continuous improvement
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Monitor application volumes, approval rates, conversion rates, and turnaround times
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Ensure lending decisions align with responsible lending obligations, internal policies, and regulatory requirements
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Lead and develop the Credit Assessment team,



ensuring high standards of credit quality, productivity, and customer outcomes
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Act as an escalation point and approval authority for complex, high-risk, or policy exception lending decisions within delegated limits.
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Portfolio Risk Management
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Monitor portfolio performance across key risk metrics including approvals, arrears, defaults, losses, recoveries, and portfolio trends
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Conduct portfolio analysis to identify emerging risks and opportunities
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Develop and maintain portfolio reporting, dashboards, and performance insights
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Recommend risk mitigation strategies and portfolio optimisation initiatives
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Support forecasting, provisioning, and portfolio performance reviews
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Monitor portfolio performance by merchant, channel, customer segment, and product type to identify emerging risks and trends
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Fraud, Collections & Hardship
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Oversee fraud prevention and detection controls across the lending lifecycle
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Monitor fraud trends, suspicious activity, and emerging financial crime risks
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Support collections and hardship strategies to improve portfolio performance and customer outcomes
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Work closely with Collections and Customer Operations teams to manage arrears and recovery performance
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Ensure customer treatment remains fair, compliant, and consistent with regulatory expectations
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Support AML/CTF controls and customer due diligence processes across the lending lifecycle
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Governance & Stakeholder Management
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Prepare regular credit and portfolio risk reporting for management
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Support governance forums, audits, compliance reviews, and regulatory requests
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Maintain risk registers, action plans, and monitoring activities relevant to the credit function
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Support ongoing compliance with NCCP obligations,



ASIC regulatory guidance, Privacy requirements, AML/CTF obligations, and internal policies
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Support merchant onboarding, due diligence, periodic reviews, and ongoing monitoring activities
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Monitor merchant compliance with policies, responsible lending expectations, and regulatory obligations
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Identify and escalation merchant conduct, compliance, fraud, or operational risks
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Support the maintenance and continuous improvement of risk and compliance frameworks, policies, and procedures
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Work closely with Product, Operations, Sales, and Compliance teams to support business objectives
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Contribute to a strong risk and compliance culture across the organisation
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About You
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7+ years' experience in consumer lending, credit risk, underwriting, or portfolio management
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Experience within unsecured consumer lending, retail finance, fintech, or non-bank lending environments
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Strong understanding of responsible lending obligations, NCCP requirements, and credit risk management principles
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Experience with automated credit decisioning systems, scorecards, and lending platforms
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Strong analytical capability with experience interpreting portfolio and customer performance data
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Sound understanding of fraud prevention, collections, and hardship management practices
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Experience across both credit risk and compliance functions within consumer lending, fintech, or financial services environments
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Working knowledge of NCCP, RG209, RG271, AML/CTF, Privacy and consumer lending regulatory requirements
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Experience supporting merchant or third-party distribution models highly regarded
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Excellent stakeholder management and communication skills
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Relevant degree in Finance, Business, Economics, Mathematics, or a related discipline preferred
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What you will get in return?
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Competitive salary aligned with market standards
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Flexible working arrangements
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A collaborative and high-performance team culture
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Career growth opportunities within a scaling fintech lending business
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Ongoing training and career development
#J-*****-Ljbffr

📌 Credit And Risk Manager (New South Wales)
🏢 Avyaya Consulting
📍 New South Wales