If you live in Australia or New Zealand, you've likely heard of AMP. But at a time when society is changing, we are too. We're now a nimbler business with new leadership and thinking.

For us, these are exciting times. There's a real potential for big thinkers to help us redefine what financial services could be. And turn our legacy into something even more positive and powerful for the future.

Help people create their tomorrow, while you create yours

We help people with their banking, super, retirement and finances. Through upturns, downturns, recessions, and major life transitions. Every day, we help people see and make more of their financial potential, so that they can create their tomorrow. And we've been doing it for over 170 years.

If we do our job well, we genuinely add to the prosperity of our country and its people.

The Senior Manager, Business Finance Credit Risk is a senior second-line leadership role responsible for the oversight, decision quality and resilience of AMP Bank's Business Finance credit portfolio. The role provides independent credit judgement, exercises delegated credit authority, leads and develops the Business Finance Credit team and ensures lending activities operate in line with AMP Bank's Risk Appetite Statement, credit policies, prudential obligations and customer expectations.

The role supports prudent portfolio growth through commercially informed challenge of credit proposals, policy exceptions, portfolio trends, emerging risks, watchlist exposures and strategic business initiatives. It plays a key role in strengthening risk culture, enhancing control effectiveness and credit capability, while providing clear risk insights and recommendations to senior management, risk committees and the Board.





How you will make an impact

Policy Development, Governance and Risk Frameworks

- Lead the development and enhancement of Business Finance credit policies, standards and governance frameworks, ensuring alignment with AMP Bank's risk appetite, strategic objectives and regulatory requirements.
- Provide subject matter expertise on the interpretation and application of credit policy requirements, supporting consistent and effective credit decision-making.
- Drive continuous improvement in credit risk management practices through policy uplift, framework enhancements and governance reporting.
- Identify and implement policy, control and governance improvements arising from emerging risks, portfolio performance, assurance activities and regulatory change.

Credit Risk Oversight and Portfolio Stewardship

- Provide independent second-line oversight of Business Finance credit risk, supporting prudent portfolio growth and effective management of credit, concentration and portfolio risks.
- Deliver commercially informed challenge on lending proposals, portfolio trends, watchlist exposures and strategic business initiatives.
- Monitor portfolio risk indicators and emerging themes, providing insights and recommendations to support proactive risk management.
- Support the Head of Risk through timely analysis,



reporting and recommendations on portfolio performance and risk outcomes.

Delegated Credit Authority and Decision Quality

- Exercise delegated credit authority in accordance with AMP Bank's lending framework, credit policies and risk appetite.
- Review, approve or recommend commercial lending transactions, including current facilities, restructures, refinancing and policy exceptions.
- Promote strong credit decision quality through robust risk assessment, financial analysis, covenant management and consistent policy application.
- Support the ongoing development of credit standards and decision quality expectations across the Business Finance Credit team.

Watchlist, Problem Asset and Portfolio Risk Oversight

- Provide independent oversight and challenge of watchlist, deteriorating and higher-risk Business Finance exposures.
- Review remediation, recovery and workout strategies to support effective management of problem assets and minimise potential losses.
- Escalate material risk events, covenant breaches and policy exceptions in line with governance requirements.
- Provide risk-based recommendations to support sound portfolio outcomes and effective risk mitigation.

Strategic Change and Business Support

- Support strategic Business Finance initiatives, including product development, process improvement, automation, reporting enhancement and risk framework uplift activities.
- Assess the credit risk implications of new and amended lending propositions, ensuring alignment with risk appetite and policy requirements.
- Provide risk expertise and challenge across projects and change initiatives to support sustainable growth

📌 Senior Manager Business Finance Credit (Sydney)
🏢 Amp
📍 Sydney