Credit + Risk Mangager

Are you an experienced credit risk professional looking for a role where you can influence lending strategy, portfolio performance, and business growth?

We're partnering with an innovative consumer lending business seeking a Credit & Risk Manager to lead the credit function across the full lending lifecycle. This is a hands-on role offering the opportunity to shape credit strategy, strengthen portfolio performance, and work closely with senior leaders to support sustainable business growth.

What you'll be doing:-
Driving the ongoing development of credit policy, underwriting standards, and lending strategy.
Monitoring portfolio performance and identifying emerging risks, trends, and opportunities through data-driven analysis.
Leading the day-to-day credit assessment function, providing guidance on complex applications and maintaining high underwriting standards.
Reviewing and enhancing credit decisioning, scorecards, affordability models, and approval frameworks.
Working closely with collections, fraud, customer operations, and compliance teams to optimise customer and portfolio outcomes.
Supporting the development of new lending products while ensuring they align with the organisation's risk appetite and regulatory obligations.
Preparing portfolio reporting and providing meaningful insights to support business decisions.
Partnering with Product, Sales, Operations, and Compliance to strengthen governance, improve processes, and embed a strong risk culture.

What you'll bring:-
5–7 years' experience in consumer lending, credit risk, underwriting, or portfolio management.
Experience within consumer lending, retail finance, fintech, or a non-bank lending environment.
Strong understanding of responsible lending obligations, credit risk principles, and the Australian regulatory landscape.
Experience managing or analysing lending portfolios and making data-driven recommendations.
The ability to balance commercial outcomes with prudent risk management and excellent customer experiences.
Strong stakeholder management skills and the confidence to influence decisions across the business.
You must have PR or Citizenship for Australia.  Please contact me on rupinderk@ethosbc IF you have the experience OR apply via link.