Credit Risk Manager
Employment Info
JOB DETAILS
Requirements
- Proven credit risk management experience of at least 5 years within the banking or financial services industry.
- Experience using SAS, SQL, R, or Python to manipulate large data sets.
- Sound knowledge of banking products and trends in the banking industry.
- Broad experience in credit risk analytics, including understanding of the credit lifecycle and key credit functions.
- Experience and knowledge of regulatory and accounting frameworks such as IFRS 9 and APS 220.
- Ability to balance risk management with commercial objectives and consider the broader business context when making recommendations.
- Ability to build trusted relationships across the business.
Responsibilities
- Lead the end-to-end provisioning and forecasting process for retail lending portfolios, delivering insights that support strategic decision-making and financial planning.
- Monitor portfolio performance and emerging risk trends using data and analytics, identify opportunities, anticipate challenges, and recommend actions to protect portfolio health.
- Partner with senior leaders across Risk, Finance, Product, and Operations by providing data-driven recommendations that influence business and risk decisions.
- Drive compliance with regulatory and accounting requirements, ensuring provisioning methodologies, governance frameworks, and reporting practices meet internal and external expectations.
- Oversee account management, collections, and hardship strategies while balancing customer outcomes with effective risk management to optimise portfolio performance.
- Lead deep-dive portfolio reviews and scenario analysis, translating complex data into meaningful insights and forward-looking risk forecasts.
- Enhance risk management approaches, forecasting models, and operational processes through continuous improvement and innovation.
- Prepare and present insights to executive committees and senior stakeholders, communicating risks, trends, and recommendations to support informed decision-making.
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