We are seeking an experienced Credit Risk Manager to join a leading financial services organisation on a 12-month engagement based in Sydney CBD. This role offers flexibility to work 4–5 days per week with a hybrid working arrangement. The successful talent will be responsible for overseeing the organisation's end-to-end credit risk function across underwriting, portfolio management, fraud, collections, merchant risk, and governance. Working closely with senior leadership and operational teams, you will ensure sound credit decision-making while continuously enhancing credit policies, risk controls, and portfolio performance.

Success in this role will be measured by your ability to strengthen underwriting quality, optimise credit strategies, proactively manage portfolio risk, and ensure regulatory compliance within a dynamic consumer lending environment. This opportunity is ideal for an experienced credit risk professional who enjoys balancing strategic oversight with operational leadership and thrives in a regulated financial services environment.

Key Activities

Credit Strategy & Underwriting Oversight: Lead day-to-day credit assessment activities, oversee underwriting quality, and provide guidance to Credit Assessment Officers on complex lending applications.

Portfolio Risk Management: Monitor portfolio performance, identify emerging credit trends, and recommend changes to credit strategies, scorecards, affordability models, decisioning rules, and risk settings to optimise lending outcomes.

Fraud & Collections Oversight: Monitor fraud trends and collections performance, ensuring appropriate controls, recovery strategies, and operational effectiveness are maintained.

Merchant Risk Management: Oversee merchant onboarding and ongoing merchant risk monitoring to minimise operational and financial risk exposure.

Risk Governance & Reporting: Prepare and present risk reporting to senior stakeholders, monitor key risk indicators, and ensure adherence to internal governance frameworks.

Cross-functional Collaboration: Partner with Risk, Compliance, Operations, Product, and Executive stakeholders to continuously improve lending processes, customer outcomes, and portfolio performance.

Your Background

Essential

• 6+ years' experience in Credit Risk, Credit Strategy, Risk Management, or Consumer Lending within banking or financial services.
• Strong knowledge of consumer lending, underwriting practices, and responsible lending obligations.
• Demonstrated experience managing credit portfolios, scorecards, decision engines, affordability models, and credit policy.
• Experience overseeing fraud, collections, and portfolio performance.
• Strong stakeholder management skills with experience influencing senior business leaders.
• Excellent analytical, problem-solving, and decision-making capabilities.
• Ability to balance commercial outcomes with prudent risk management.

Desirable

• Experience working within personal lending, fintech, or non-bank lending environments.
• Experience with credit decision engines and automated underwriting platforms.
• Tertiary qualification in Finance, Commerce, Economics, Risk Management, or a related discipline.
• Knowledge of NCCP obligations and ASIC regulatory requirements.