Credit Risk Analyst

TwoScots Recruitment; City of Melbourne; Hybrid; AUD 48,000 - 80,000; Full time

Benefits offered by this job

Hybrid work arrangement

St Kilda Road offices

Comprehensive training

Career progression

Credit risk exposure

Job summary

TwoScots Recruitment on St Kilda Road, Melbourne is seeking an experienced Accounts Receivable, Credit or Collections professional for a credit-focused role with hybrid working (2 days in office).

You'll analyse financial information, monitor credit risk across a diverse client portfolio, support funding limit reviews and assist with collections and risk reporting, offering a clear path into a more analytical career in credit risk.

Qualifications

• Experience in Accounts Receivable, Credit, or Collections.
• Strong analytical and problem-solving abilities.
• Excellent attention to detail.
• Proficient in Excel and reporting data.
• Good communication skills.

Responsibilities

• Review financial statements and client information to assess credit risk.
• Monitor portfolio performance, arrears and emerging risk trends.
• Support funding limit reviews and credit recommendations.
• Assist with collections activity and payment arrangement monitoring.
• Prepare regular management reports and risk commentary.
• Conduct legal and supporting document reviews to ensure completeness and accuracy.
• Monitor credit insurance obligations and reporting requirements.
• Review contracts and identify potential commercial or funding risks.
• Maintain accurate credit files, approvals and supporting documentation.
• Work closely with internal stakeholders across credit, operations and client-facing teams.

Skills

Accounts Receivable

Credit

Collections

Excel

Analytical thinking

Tools

Excel

Job description

St Kilda Road, Melbourne | Hybrid Working (2 Days in Office)

Up to $80,000 + Super

Are you an experienced Accounts Receivable, Credit or Collections professional looking to take the next step into a more analytical credit-focused career?

An exciting opportunity has become available with a well-established organisation based on St Kilda Road. Offering comprehensive training and development, this role is ideal for someone who enjoys analysing information, identifying risk and working closely with stakeholders to support sound commercial decision-making.

The Opportunity

Working within a collaborative and supportive team, you'll play a key role in monitoring and managing credit risk across a diverse portfolio of clients. You'll gain exposure to financial analysis, portfolio monitoring, collections, legal documentation reviews and credit risk reporting, making this an excellent stepping stone for someone wanting to develop a long-term career in credit risk.

Key Responsibilities

• Review financial statements and client information to assess credit risk.
• Monitor portfolio performance, arrears and emerging risk trends.
• Support funding limit reviews and credit recommendations.
• Assist with collections activity and payment arrangement monitoring.
• Prepare regular management reports and risk commentary.
• Conduct legal and supporting document reviews to ensure completeness and accuracy.
• Monitor credit insurance obligations and reporting requirements.
• Review contracts and identify potential commercial or funding risks.
• Maintain accurate credit files, approvals and supporting documentation.
• Work closely with internal stakeholders across credit, operations and client-facing teams.

About You

We're keen to speak with candidates who bring experience from an Accounts Receivable, Credit Control, Collections, Finance or Banking environment and are looking to broaden their skillset.

You'll ideally have:

• Experience in Accounts Receivable, Credit, Collections or a similar finance-related role.
• Strong analytical and problem-solving abilities.
• Excellent attention to detail.
• Confidence working with Excel and reporting data.
• Strong written and verbal communication skills.
• A genuine interest in finance, risk and commercial decision-making.
• A proactive attitude and willingness to learn.

What's On Offer?

• Salary package up to $80,000 + Super.
• Hybrid working arrangement with 2 days in the office.
• Modern offices conveniently located on St Kilda Road.
• Comprehensive training and ongoing development.
• Exposure to a broad range of credit risk activities.
• Supportive leadership and genuine career progression opportunities.
• An opportunity to transition from transactional credit or AR work into a more analytical and commercially focused role.

If you're looking to build a career in credit risk and want to join an organisation that will invest in your development, we'd love to hear from you.