Credit Risk Analyst (Portfolio & Reporting)

Randstad Australia; Sydney; Hybrid; AUD 90,000 - 130,000; Full time

Benefits offered by this job

Hybrid work model

Job summary

Randstad Australia is seeking an experienced credit risk analyst to join a risk team in Sydney. You will deliver portfolio monitoring, investigate risk trends, and build reporting capabilities for retail and SME portfolios.

You will partner with data owners to develop new risk metrics, enhance data coverage, and automate reporting processes. The role requires strong SQL and BI skills, with a focus on clear communication with senior stakeholders.

Qualifications

• 3+ years in credit risk analytics, portfolio monitoring, or risk reporting within banking or financial services.

Responsibilities

• Portfolio Monitoring & Insights: analyse arrears, transitions, and early warning metrics across mortgages, cards, personal and business lending; provide executive commentary.
• SME Capability Build: partner with data owners to design new risk metrics, improve data coverage, and build dashboards for SME portfolios.
• Month-End Delivery: execute monthly risk reporting, resolve reconciliation issues, and maintain data controls.
• Initiatives & Automation: support regulatory data projects and implement reporting automation.

Skills

Credit risk analytics

Portfolio monitoring

Analytical mindset

Communication

Education

Degree in a quantitative discipline

Tools

SQL

Tableau

Power BI

Data validation

Job description

• Deep-dive performance analysis and dashboard enhancements.


• Hybrid Model: Sydney CBD office 3 days per week.

• 12 Month Contract


• Deep-dive performance analysis and dashboard enhancements.


• Hybrid Model: Sydney CBD office 3 days per week.

The Company

This bank is a tier-one financial institution recognised for its digital-first culture and customer focus. You will join a collaborative, flat-structured risk team that empowers analysts to directly influence lending strategy and decision-making.

The Role

Reporting to the Retail Credit Risk Manager, you will deliver portfolio monitoring, investigate underlying risk trends, and build reporting capabilities across retail and expanding SME portfolios.

Key Responsibilities:

• Portfolio Monitoring & Insights (40%): Analyse arrears, hardship, Stage 2/3 transitions, and early warning metrics across mortgages, cards, personal, and business lending. Provide executive commentary for risk committees.


• SME Capability Build (25%): Partner with data owners to design new risk metrics, improve data coverage, and build dashboards for evolving SME portfolios.


• Month-End Delivery (25%): Execute monthly risk reporting, resolve reconciliation issues, and maintain data controls.


• Initiatives & Automation (10%): Support regulatory data projects and implement reporting automation.

Your Experience

Background: 3+ years in credit risk analytics, portfolio monitoring, or risk reporting within banking or financial services. Experience with retail or SME lending portfolios required.

Technical Skills: Strong SQL and data validation capabilities. Hands-on experience developing dashboards in Tableau or Power BI.

Analytical Mindset: Proven ability to investigate the \"why\" behind data anomalies and translate numbers into commercial risk insights.

Communication: Ability to articulate complex risk trends clearly to policy teams and senior stakeholders.

Requirements: Degree in a quantitative discipline (Statistics, Math, Finance, Data Science, or related), full Australian work rights, and Sydney residency (3 days in-office).

At Randstad, we are passionate about providing equal employment opportunities and embracing diversity to the benefit of all. We actively encourage applications from any background.