Senior Manager, Credit Risk

The Senior Manager Credit Risk plays a pivotal role in safeguarding Cuscals credit risk framework. This role is responsible for providing oversight of portfolio management activities ensuring the consistent implementation and adherence to credit risk policies standards and procedures across the organisation. The role also provides independent oversight of First Line credit risk practices and delivers data-driven insights to support informed decision-making risk mitigation and portfolio performance.

Youll make an impact by:

• Overseeing the management Cuscals credit limits and associated exposures in a pro-active manner including maintenance of various credit risk models in accordance with Credit Risk Policy.
• Maintaining and administering credit risk policy standards and procedures that support the level of risk appetite as determined by the Board of Directors and ensures adherence to all relevant regulation.
• Overseeing the maintenance of an up-to-date limits and review framework for all exposures.
• Reviewing and endorsing all credit applications and periodic reviews.
• Developing and maintaining risk methodologies for chargeback/refund risk
• Providing technical credit risk support and analysis to first line risk businesses
• Managing the preparation of Board and Risk Management committee papers.
• Liaising with APRA as required.
• Providing insights with the ongoing improvement to existing credit risk related policies and procedures and their implementation.
• Identifying and analysing emerging credit/counterparty risks and providing these results including the completion portfolio and industry papers to key internal stakeholders.
• Providing information training advice and tools to the first line of defence to assist them to identify manage and monitor risks.
• Assisting with completing credit risk related remediation actions.

Qualifications :

You will stand out if you have:

• In-depth knowledge of APS 220 221 and APS 222 and general knowledge of the APRA prudential environment
• Strong knowledge of credit analysis techniques
• Understanding of credit procedures and management systems
• Experience with loan security documentation
• Sound knowledge of balance sheet risk management and accounting practices
• Good understanding of Treasury credit risks including credit pricing fair and relative value analysis
• Experience working with Regulators 
• Data analytics (Excel Power BI SQL)
• Risk management (CFA FRM PRM preferred)  

#LI-NL1

Additional Information :

Why Cuscal

At Cuscal youll experience interesting work thats transforming. You get the security of an established organisation and the energy of a company committed to innovation. For 60 years weve set the standard in payments and now were preparing to redefine it for the future. 

Youll also enjoy a range of benefits including: 

• Recognition and growth: Celebrate achievements through IGNITE and grow with tailored development opportunities
• Wellbeing focus: We support your physical mental and financial health with holistic initiatives and access to discounts via Cuscal Advantage
• Inhouse Barista: for whenever you feel like your favourite hot beverage

If youre excited about this opportunity wed love to explore how you can contribute to our vision. Applications may be reviewed as theyre received so dont wait - apply now.

Cuscal is an equal opportunity employer committed to creating a diverse inclusive and barrier-free workplace. We welcome applications from Aboriginal and Torres Strait Islander peoples people living with disability LGBTQIA communities and individuals from culturally diverse backgrounds.

#LI-NL

Remote Work :

No

Employment Type :

Full-time