- 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 opportunity 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 2009 (NCCP Act)
- National Credit Code
- ASIC regulatory requirements
- Responsible lending obligations (where applicable)

- Experience developing and monitoring credit risk frameworks.
- Robust 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 (Sydney)
🏢 FourQuarters Recruitment
📍 Sydney