We are seeking a Senior Credit Risk Analyst to build and maintain strategies for our mortgage lending business. This role will support credit decisioning across originations, underwriting, portfolio monitoring, and servicing by developing statistically sound, business‐relevant, and compliant risk models.
Key Responsibilities
Develop predictive scorecards and related risk models for mortgage lending.
Experience with decision engines used within financial services e.g. FICO platform, Powercurve or DP3.
Analyse loan, borrower, bureau, property, and performance data to identify key risk drivers.
Prepare data, engineer features, and perform variable selection, binning, and scorecard development.
Build and validate models using statistical techniques such as logistic regression.
Measure model performance using metrics such as KS, Gini and population stability.
Monitor scorecard performance over time and recommend recalibration or redevelopment as needed.
Partner with underwriting, credit policy, compliance, servicing, and technology teams to support implementation and ongoing use.
Document model methodology, assumptions, limitations, and monitoring results for internal governance and audit purposes.
Support responsible lending, compliance, and model risk management requirements.
Qualifications
Bachelor's degree in Statistics, Mathematics, Finance, Economics, Data Science, or a related quantitative field.
3+ years of experience in credit risk analytics, predictive modelling, or scorecard development.
Experience in mortgage lending, banking, consumer finance.
Strong skills in SQL and Python, R, or SAS.
Hands‐on experience with scorecard development, logistic regression, and model validation.
Strong analytical, problem‐solving, and communication skills.
Ability to explain technical concepts to business stakeholders.
Preferred Experience
Experience with FICO platform.
Mortgage origination and servicing data.
WOE/IV, segmentation, and model monitoring.
Responsible lending and consumer credit (NCCP) compliance considerations.
Model documentation, validation support, and governance processes.
Ability to communicate with non‐mathematical business decision makers.
About AFG
Australian Finance Group (ASX:AFG) is one of Australia's largest mortgage broking groups, founded in 1994, employing over 300 staff across Australia. AFG processes around one in ten of all Australian residential mortgages and manages over $214 billion in residential and commercial finance.
AFG is committed to fostering an inclusive workplace where all are welcomed and recognised for their unique abilities, regardless of gender, race, religion, disability, orientation, or other identity attribute.
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