Credit Risk Manager

Shift

. Make credit decisions on escalated scorecard referrals outside standard rules, exercising Delegated Lending Authority up to $500K .

Posted 10/27/2026full-timeSydney • AustraliaMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates strong credit risk assessment capabilities, including decision-making under delegated lending authority and proficiency in financial statement analysis. Proven ability to translate complex credit decisions into actionable insights and policy improvements while maintaining stakeholder engagement.

Highest-signal resume keywords

Credit Risk PrinciplesDelegated Lending AuthorityFinancial Statement AnalysisCredit JudgmentReferral Management

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit AssessmentData InterpretationExcel-Based ReportingScorecard-Based DecisioningProbability of Default MetricsComplex Application AssessmentRisk Appetite FrameworksCredit Policy DevelopmentPortfolio ManagementAutomated Decisioning

Soft Skills

Stakeholder EngagementCommunication SkillsAnalytical AbilitiesDecision-MakingJudgment-Based Decision Making

Certifications & Qualifications

Relevant Qualification in FinanceEconomicsRisk Management

Industry Keywords

Small Business LendingCommercial LendingCredit Risk FrameworksEscalation PathwaysDigital Experience Design

About the role

Key responsibilities & impact

Make credit decisions on escalated scorecard referrals outside standard rules, exercising Delegated Lending Authority up to $500K
Own judgment-based decisions and applications just outside policy, approving, restructuring, or declining in line with risk appetite and credit policy
Deliver escalated referral decisions within agreed service standards, targeting under one business day turnaround
Act as escalation point for complex or material credit cases across the Small Business Division
Set and document credit standards for at-the-margin cases, including complexity assessment
Codify judgment-based decisions into policy and scorecard rules
Refine originations credit strategy using insights from escalated decisions
Input into continuous credit settings and hindsight reviews
Establish, measure, and report monthly on referral service standards, escalation rates, turnaround times, and decision outcomes
Translate decision and portfolio data into actionable risk insights
Inform policy, scorecard, and process improvements based on exception and loss experience
Lead transition of credit decisioning from Customer Solutions into the Small Business Division
Standardise escalation pathways for referred deals
Partner with the Customer Solutions Manager to optimise team capacity
Represent credit decisioning across Product, Technology, and Operations initiatives
Provide credit input into digital experience design
Identify manual controls and gaps in originations credit processes
Support standardisation of credit guidance and documentation
Ensure process changes are well-governed and operationally supported

Requirements

What you’ll need

Strong understanding of credit risk principles, portfolio management, and risk appetite frameworks
Analytical abilities with proficiency in data interpretation and Excel-based reporting
Sound credit judgment and ability to make timely, well-reasoned decisions and structure mitigants for complex deals
Excellent stakeholder engagement and communication skills, including ability to explain decision rationales
Proficiency in financial statement analysis, bureau data, and banking transactions
Familiarity with automated and digital decisioning
5+ years’ experience in credit risk, credit assessment, or lending roles, including holding a DLA
Experience in small business or commercial lending highly regarded
Demonstrated ability to assess complex applications
Familiarity with credit risk frameworks, scorecard-based decisioning, and referral management
Experience interpreting Probability of Default (PD) metrics for exposure and limit setting
Demonstrated success translating decisioning outcomes into policy, scorecard, or process improvements
Relevant qualification in finance, economics, risk management, or a related discipline preferred but not essential
Legal right to work in Australia or New Zealand without employer sponsorship

Benefits

Comp & perks

Hybrid working with state-based workplaces and a hybrid work policy
Up to 26 weeks paid parental leave
Strategy Week twice a year
Fortnightly all-company business updates
Flat structure with opportunities to learn from colleagues and senior leaders
Wellbeing benefits supporting physical, psychological and financial wellbeing
Birthday day off
End of trip facilities