Credit Policy & Assurance Leader

Lumi; Australia; On-site; AUD 120,000 - 160,000; Full time

Benefits offered by this job

Wellbeing benefits

Home workspace allowance

Parental leave

Education sponsorship

Volunteer days

Job summary

Lumi is seeking an experienced Senior Policy and Credit Risk Lead to join our risk team in Australia. You will lead reviews of lending decisions, own credit risk policy, and drive policy updates with audit-readiness in mind.

You will mentor a team, translate regulatory changes into practical guidelines, and partner with product and Credit teams as we scale lending to Australian businesses. This role blends governance with hands-on analysis to keep underwriting sharp and compliant.

Qualifications

• Extensive experience in credit risk or policy roles.
• Proven people leadership or mentoring experience.
• Experience with credit policy and underwriting guidelines.
• Experience engaging with audit, compliance or regulators.
• Strong Excel and data querying skills.

Responsibilities

• Lead a team responsible for reviewing lending decisions and assessing compliance with lending guidelines and standards.
• Identify trends, policy breaches or process gaps through structured quality reviews, and recommend practical improvements.
• Own and maintain credit risk policy, underwriting guidelines and product policy end-to-end.
• Run the periodic policy review cycle, keeping documentation current and audit-ready.
• Investigate and quantify the impact of policy changes, using data to support findings before recommending or implementing updates.
• Resolve underwriting queries and feed practical learnings back into policy and guideline updates.
• Partner with product and Credit teams on new policy as products evolve.
• Track relevant regulatory and responsible-lending developments and translate them into policy updates.
• Act as a key point of contact for internal and external audit on quality and policy governance.
• Coach and develop team members, fostering a culture of continuous improvement.

Skills

Credit risk

Quality assurance

People leadership

Policy documentation

Data querying

Tools

SQL

Excel

Job description

Lumi is seeking an experienced Senior Policy and Credit Risk Lead to join our risk team in Australia. You will lead reviews of lending decisions, own credit risk policy, and drive policy updates with audit-readiness in mind.

You will mentor a team, translate regulatory changes into practical guidelines, and partner with product and Credit teams as we scale lending to Australian businesses. This role blends governance with hands-on analysis to keep underwriting sharp and compliant.