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Marmalade is an invoice payment platform revolutionising business payments. We empower businesses to get their unpaid invoices paid when they need it, alleviating cash flow strain without debt and enabling them to grow on their terms.
With Marmalade, businesses can choose to have an unpaid invoice paid in advance of the due date minus a low one time fixed fee with the funds delivered in a matter of hours. Marmalade integrates with Xero, MYOB and QuickBooks with no changes required to how a business invoices.
Marmalade is ever-evolving and setting new standards around invoice payments. We're enthusiastic about the journey ahead and recognise we're only scratching the surface of what's possible.
THE ROLE
If you're an experienced risk professional who thrives at the intersection of data, decisioning, and strategy, this is an opportunity to shape the future of risk in B2B payments.
As our Senior Risk and Analytics Manager, you won't just be maintaining frameworks, you'll be steering how credit and fraud risk are managed end-to-end. You'll play a pivotal role in refining our Risk Appetite, shaping pricing models, and ensuring our automated decision systems stay sharp, resilient, and compliant.
This role offers the breadth to own strategy, governance, and execution. One day you'll be refining Probability of Default and Loss Given Default models, the next you'll be engaging with Product or Engineering to make sure risk and growth move in lockstep. You'll also mentor the next generation of risk analysts, embedding a culture of precision and impact across the function.
What makes this different from a traditional risk role? Speed. At Marmalade, your work won't sit in a policy drawer or a long pipeline. Insights and strategies move quickly into production, influencing real credit and fraud risk decisions, portfolio returns, and customer experiences in near real time.
If you want to push beyond legacy approaches to risk and make your mark in a fintech that values execution as much as strategy, we'd love to talk.
Strategic:
* Risk Management Framework and Appetite: Contribute to the periodic review and refinement of Marmalade's Risk Management Framework and Risk Appetite Statement by providing strategic insights grounded in a comprehensive understanding of the business's risk infrastructure and product suite.
* Risk Policies: Act as the custodian of Marmalade's credit and fraud risk policies, ensuring they remain current, effective, and aligned with the overarching Risk Management Framework and the company's product philosophy.
* Pricing: Responsible for defining and refining Marmalade's key risk inputs in partnership with the Finance and Data teams, with a focus on improving input accuracy and methodologies to ensure pricing fully reflects all risk components and remains aligned with the company's risk appetite.
* Model Governance: Share responsibility for the development and implementation of Marmalade's Model Governance Framework, to promote robust governance across all data science and analytics activities, thereby mitigating model risk across the organisation
Day-to-Day:
* Lead the implementation of key metrics and forums to ensure credit and fraud strategies are consistently aligned with risk policy and business objectives.
* Define and operationalise monitoring metrics and governance processes in line with the Model Governance Framework to ensure all decision systems and models are effectively managed and model risk is proactively addressed.
* Oversee the development, refinement, and validation of pricing input models, including Probability of Default (PD), Loss Given Default (LGD), and early warning indicators, ensuring they remain fit for purpose and aligned with the business's risk profile.
* Collaborate closely with cross-functional teams, including Sales, Product, Legal, Engineering, and Collections, to ensure a cohesive and comprehensive approach to risk management across the entire customer lifecycle.
* Communicate breaches of risk appetite or policy clearly and constructively, including recommended remedial actions, to ensure risk remains within tolerance while supporting business goals.
* Provide leadership and development support to junior members of the risk and analytics function through coaching, mentoring, and performance management
Role KPIs
* Risk Appetite: Percentage of key risk metrics within approved Risk Appetite thresholds.
* Model Performance: Percentage of core risk models operating within defined thresholds, as described in Marmalade's Model Governance Framework
* Contra Performance: Increase approval, take-up, and utilisation rates across products, within risk appetite, in line with business goals.
* Pricing Performance: Average portfolio risk-adjusted portfolio return within risk appetite.
* Policies: Percentage of risk policies reviewed and updated within their scheduled review cycle.
* Risk System Delivery: Percentage of risk system initiatives delivered on time and in scope.
* Risk Engagement: Average stakeholder feedback score on collaboration, clarity, and responsiveness of the risk function.
WHO YOU ARE
* Bachelor's degree in a quantitative, analytical, or finance-related discipline (Mathematics, Statistics, Computer Science, Actuarial Science, Finance)
* Technical
* Proficiency in SQL and Python for data extraction, manipulation, and analytics
* Proficiency with credit risk models such as PD, LGD, and early warning indicators
* Familiarity with key model performance metrics (AUC, Gini, KS) and model monitoring
* Ability to manage and deliver risk system enhancements (decision engines, risk infrastructure)
* Experience
* 7+ years' experience in credit risk, fraud analytics, or financial risk management, ideally within fintech or financial services
* Direct experience managing or implementing credit and/or fraud policies
* Cross-functional collaboration experience, particularly with Product, Engineering, and Collections
* Ability to communicate policy breaches and risk decisions clearly to senior stakeholders
Preferred Qualifications and Experience
* Postgraduate qualification in a related field (Master's in Data Science, Risk Management, Financial Engineering, Applied Statistics)
* Technical
* Experience operationalising a Model Governance Framework, including model documentation and validation processes
* Proficiency in building and deploying models using scikit-learn or similar ML frameworks
* Strong applied understanding of early warning systems and scorecard development
* Strong command of data visualisation tools such as Power BI, Tableau, or equivalent
* Experience
* Demonstrated impact in improving risk-adjusted conversion metrics (approval, take-up, utilisation within appetite)
* Track record of delivering risk initiatives on time and in scope
* Experience in presenting to senior leadership, board committees, or regulatory reviewers
* Previous team leadership or mentoring of risk/analytics professionals
Beneficial Qualifications and Experience
* Professional certifications such as FRM, CFA, or PRM
* Technical
* Exposure to production deployment pipelines for models and decision systems
* Experience
* Involvement in regulatory engagements or formal audit preparation
* Prior experience in scaling or automating risk systems and operations
Seniority level
* Seniority level
Mid-Senior level
Employment type
* Employment type
Full-time
Job function
* Job function
Research, Analyst, and Information Technology
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