About the Role
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* Develop and maintain a robust credit policy framework that aligns with risk appetite, regulatory obligations, and evolving portfolio dynamics.
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Credit Policy Management Responsibilities
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* Own the end-to-end credit policy framework, ensuring consistency with risk appetite, funder agreements, regulatory requirements, and portfolio performance.
* Liaise with internal stakeholders to ensure clear understanding, consistent application, and documentation of credit policy.
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Collections Strategy Objectives
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* Design and implement targeted collections strategies to optimize performance across early and late-stage arrears.
* Analyze collections KPIs and iterate on strategies to improve cure rates, reduce roll rates, and minimize loss.
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Credit Analytics & Portfolio Insights
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* Lead credit performance analytics, delivering actionable insights on delinquency trends, arrears drivers, and risk concentrations.
* Manage and mentor the Credit Analyst to support accurate reporting, ad hoc analysis, and ongoing model and trend tracking.
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Board, Funder, and Rating Agency Reporting
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* Prepare high-quality, detailed credit performance reports for presentation to governance forums, including the Risk and Credit Committees and the Board.
* Support the CRO in meetings with warehouse funders, rating agencies, and other external stakeholders by providing analytical input and credit policy commentary.
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Your Experience and Qualifications
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* Degree in Finance, Business, Economics, Data Analytics, or a related field.
* 5+ years' experience in credit risk, credit policy, or collections strategy, ideally within mortgage or secured lending.
* Strong experience managing credit policy frameworks and interpreting portfolio performance data.
* Exposure to securitisation, rating agency criteria, or warehouse facility covenants.
* Proven ability to design and execute Champion/Challenger strategies in a credit or collections setting.
* Strong understanding of Australian credit regulations and risk governance expectations.
* Confident communicator, with experience preparing and presenting reporting to boards, funders, or regulators.
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Benefits and Work Environment
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* A supportive and inclusive work environment that enables personal and professional growth.
* A range of holistic perks and benefits to support individual needs.
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About the Job
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This is a dynamic role that requires a strong understanding of credit policies, regulatory requirements, and portfolio performance. The ideal candidate will have experience in credit risk, credit policy, or collections strategy, with a proven track record of designing and executing effective credit policies and strategies.