Credit Risk Lead

Energy Australia; Melbourne; Hybrid; AUD 190,000 - 230,000; Full time

Job summary

Energy Australia is seeking a Credit Risk Lead to steer credit risk assessment and fraud detection practices across Residential, Business and C&I portfolios. The role combines governance with continuous improvement, serving as an escalation point for complex decisions to reduce bad debt and losses.

Based in Docklands with a hybrid pattern (2-3 days in office weekly). You will work with Credit & Collections, vendors and bureaus to identify mitigations, improve processes, and drive strategic

Qualifications

• Significant leadership experience in a medium to large corporate setting.
• Strong understanding of credit risk assessment methodologies.
• Experience with fraud detection practices and risk controls.
• Commercial acumen with a proven ROI track record.
• Excellent communication and stakeholder management skills.

Responsibilities

• Ensure credit risk and fraud detection policy and operational processes are applied across Residential, Business and C&I bases.
• Act as escalation point for complex credit decisions, sharing knowledge with Credit and Collections.
• Partner with internal/external stakeholders, vendors and bureaus to manage priorities and resolve risk issues.
• Identify and contribute to process, policy and system improvements in risk assessment and fraud detection.
• Contribute to programs addressing risk issues, regulatory requirements, and capability uplift.
• Use data, analytics and technology to support continuous improvement in credit decisioning and fraud risk management outcomes.

Skills

Leadership

Vendor management

Credit risk

Fraud detection

Job description

The Credit Risk Lead provides specialist direction for EnergyAustralia's credit risk assessment and fraud detection practices across our Residential, Business and C&I portfolios. This role brings together governance and continuous improvement of credit risk and fraud detection practices, serving as an escalation point for complex credit assessment decisions and helping reduce EnergyAustralia's exposure to bad debt and fraud losses across the customer lifecycle.

Working closely with stakeholders across Credit and Collections, vendors and credit bureaus, the role identifies risk mitigation opportunities, drives process and system improvements, and supports strategic initiatives that strengthen credit and fraud outcomes across the business.

This is a newly created permanent position, based at Docklands with a hybrid working environment of 2-3 days in the office per week. Please note this is an individual contributor position with no people leadership responsibilities.

Key Responsibilities

• Ensure credit risk and fraud detection policy and operational processes are applied accurately and consistently across our Residential, Business and C&I customer bases.
• Act as an escalation point for complex credit assessment decisions, sharing knowledge and guidance across the Credit and Collections team.
• Partner with internal and external stakeholders, vendors and credit bureaus to manage competing priorities and resolve credit risk and fraud issues.
• Identify and contribute to process, policy and system improvements that strengthen credit risk assessment and fraud detection practices.
• Contribute to programs and initiatives that address significant credit risk or fraud issues, regulatory requirements, and capability uplift.
• Use data, analytics and technology to support continuous improvement in credit decisioning and fraud risk management outcomes.

About you

• Significant experience in business leadership and vendor management within a medium to large corporate, with a strong understanding of credit risk assessment methodologies and fraud detection practices.
• Commercial acumen, with a track record of delivering strong return on investment.
• Proven ability to build relationships and manage multiple stakeholders across the business and vendor network, while delivering on demanding challenges.
• Experience contributing to strategic initiatives, transformation programs or continuous improvement activities.
• Excellent communication and leadership skills, including the ability to coach, develop and influence others.