Job Description

Credit model BUILD & Analytics Specialist
n MUST have built either Application scorecards OR ECL/IFRS9 - least 2 strategic model builds.
n We're looking for a Credit Risk Analytics & Modelling Specialist to help shape smarter credit decisions, strengthen portfolio performance and support responsible growth.
n You'll work across Risk, Finance, Technology and Portfolio teams, using your expertise in credit modelling, analytics and data to drive meaningful commercial outcomes.

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What you'll do:-
n BUILD, enhance and monitor credit risk models and scorecards.
n Analyse lending strategies and policy changes to optimise risk-adjusted returns.
n Develop and maintain ECL PD, EAD and LGD models.
n Deliver risk dashboards, reporting and data solutions.
n Lead ECL and provisioning analysis, including macroeconomic forecasting.
n Turn complex analysis into explicit, actionable insights for stakeholders.

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What you'll bring:-
n Credit risk modelling experience within banking, credit, consulting or a similar environment.
n YOU MUT have built 2-3 strategic models ECL/IFRS9. Not just LGD. This is KEY!!!!!
n Exp Building Application Scorecards is a huge advantage.
n Strong statistical and analytical capability.
n Advanced SQL and Python skills.
n Experience solving complex, ambiguous problems with data.
n Strong communication skills and the ability to influence non-technical stakeholders.
n A collaborative, curious mindset with a focus on continuous improvement.
n Consumer/SME credit risk, decisioning platforms, macroeconomic forecasting or lending lifecycle experience? Even better.

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Melbourne based candidates only.

📌 Credit Risk Modelling & Analytics Specialist (Victoria)
🏢 Ethos BeathChapman
📍 Victoria