**We make it possible...*** **to spend more time with your loved ones** – with an extra week of paid leave each year through our **Take 5** initiative.* **to balance work and life** – with a **hybrid working model**, giving you the flexibility to work from home while connecting in the office **just two days a week*** **to put your wellbeing first** – with **Sonder**, a 24/7 support app for mental and physical wellness.Contribute to the work of Credit Risk - Pay by providing information, analysis, recommendations and support for portfolio monitoring, development and implementation activities to share in the delivery of sustainable growth for the A&NZ Credit Card portfolios.* Produce reports, analysis and recommendations to highlight risk issues.* Monitoring the performance of the portfolio, identifying trends and communicating them to the wider business in a clear and concise manner.* Undertake analysis to determine the impact of portfolio strategy changes to areas of application and account management.* Function as a key contributor to the Pay credit risk team upholding the values placed on high quality, comprehensive and accurate insights that are both relevant and actionable.* Collaborate cross functionally and at times be willing and prepared to work within project teams to deliver on business initiatives and during this requirement ensure the interests of the credit department are upheld.* In the event of operational risk events that credit risk are assigned ownership for – work cross functionally and in some cases drive delivery of the actions required to close such events.* Facilitate such meetings, productions, presentations and stakeholder management that would be required for governance, portfolio / product review and audit purposes**To grow and be successful in the role, you will:*** Bring a curious and business outcome focused approach partnered with a problem-solving attitude.* Graduate or experienced in a numerate discipline* Can code in SAS/SQL/Python to extract, analyse and make recommendations for specific pieces of analytics.* Can use Power BI/ MS Excel to manipulate, visualise and interpret large volumes of data.* Basic project management skills* Bring strong communication skills, both written and verbal, with capabilities to articulate complex analytical information.* Proven experience to own and deliver analytical projects to tight timeline.* Ability to work in a very dynamic environment where priorities can change frequently.* Collaborative, team player.* Ability to demonstrate the Latitude values and behaviours* Experience in a credit risk function* You are familiar with AI tools - comfortable using tools to accelerate insights, automate routine work, prepare reporting, and tailor content quickly and effectively.* Hands on experience in credit risk analyticsSometimes the best candidates don't have 100% of what is listed above, but if you have most and are confident, you'd be a good fit, we'd love to hear from you!That's a good sign! In return for your energy and ideas, we offer a flexible working environment and great compensation. We always support a safe, healthy, engaging, and productive working environment for all employees and workers, whether that be in your home and office, or a combination of both.**We're Latitude, partners in money** Latitude may seem like the new kid on the block, but it's taken us almost a hundred years to become an overnight success. Digital payments, cards, loans are what we offer - but what we really are is a platform that helps people shop and live better. Always living and breathing our values. Take ownership, Win together, Pursue excellence, and Create tomorrow*Successful applicants will be required to complete a background check (including criminal history and bankruptcy check) prior to commencement of employment.* ***Only open to Australian or New Zealand Permanent Residents or Citizens.***At Latitude, **we make it possible** – for our customers, our communities, and our people. We believe in creating opportunities that truly matter, helping you thrive both professionally and personally. That's why we offer benefits that make a real difference in your life.**to access great financial benefits** – with discounts on Latitude products and services.In addition to a great culture, challenging work and the chance to grow your career, Latitude also offers a comprehensive suite of employee benefits, designed to be as individual as each of our employees. From superannuation and short term incentives to flexible working policies and a comprehensive employee assistance program, there are Latitude benefits to support your working and personal life. Additionally, the 'Congratitude' recognition program exists to reinforce our spirit of teamwork and achievement, and have a little fun along the way#J-18808-Ljbffr