Credit Risk Manager

AGL; Adelaide; On-site; AUD 120,000 - 180,000; Full time

Job summary

AGL is seeking a Credit Risk Manager to shape how we acquire and onboard customers, balancing growth with risk across channels and journeys. You will lead credit and fraud risk frameworks, partnering with Sales, Product, Marketing, Finance and Legal to optimise strategies and customer outcomes.

Reporting to the Payments & Integrity Manager, you will drive governance, vendor management and cost optimisation, acting as a trusted advisor on risk decisions while embedding robust identity controls

Qualifications

• Strong analytical capability with data-driven decision making.
• Proven ability to drive end-to-end change and improve processes.
• Sound understanding of credit, fraud and risk frameworks.
• Experience in process, change or project management.
• Excellent communication and stakeholder engagement skills.

Responsibilities

• Lead and evolve credit strategy and acceptance framework with cross-functional partners.
• Monitor credit performance and ensure policies align with governance and regulations.
• Design and deliver fraud and identity controls across onboarding journeys.
• Drive data-led insights, vendor partnerships and cross-functional collaboration.
• Engage senior stakeholders and translate insights into commercial decisions.
• Drive cost optimisation and vendor performance with strong governance.
• Manage the Customer Acquisition engine ‘Shield’ and its operations.
• Foster a culture of analytical, data-driven decision making with compliance.

Skills

Strong analytical capability

End-to-end change delivery

Credit risk / fraud knowledge

Process / project management

Communication & stakeholder engagement

Tertiary qualification in Business/Com

Education

Tertiary qualification in Business/Commerce or related field

Job description

Join the change. Electrify your future!

We’ve been proudly Aussie since 1837, always finding new ways to innovate in energy and essential services. Now, we’re moving towards a sustainable future through electrification and investing in renewable energy—and we’d like you to join us. Whether you’re on-site, in the office, or somewhere in between, you’ll find opportunities to grow your career here. You’ll work with a team that’s passionate about powering Australian lives, in a culture that values inclusivity, respect, and learning. Help us create a cleaner energy future, and we’ll back you every step of the way as you build your career.

Join the change. Electrify your future.

About the role

Credit Risk Manager

Reporting to the Payments & Integrity Manager, this role sits within AGL’s Credit & Affordability team, responsible for shaping how we acquire, onboard and manage customers while balancing growth with risk.

As the Credit Risk Manager, you’ll lead the design and delivery of credit and fraud risk frameworks at the point of customer entry, ensuring strong controls are embedded across channels and customer journeys. You’ll work closely with Sales, Product, Marketing, Finance and Legal to optimise credit strategy, support sustainable growth, and enhance customer outcomes.

This is a unique opportunity to operate across both credit risk and fraud strategy, partnering with the Fraud team to embed robust identity and fraud controls into propositions from the outset.

With a strong focus on governance and performance, you’ll act as a key escalation point for risk decisions, while driving vendor management, cost optimisation and cross-functional alignment at a senior level.

What you’ll be doing:

• Lead and evolve AGL’s credit strategy and acceptance framework, partnering with Credit, Digit, Sales, Product and Finance to balance customer growth, credit quality and commercial outcomes


• Monitor credit performance and drive continuous improvement, ensuring policies, risk settings and new propositions are aligned to market conditions, regulatory requirements and strong governance


• Lead the design and delivery of fraud and identity controls at customer acquisition, embedding risk management across onboarding journeys, channels and propositions


• Drive continuous improvement through data-led insights, vendor partnerships and cross-functional collaboration, ensuring controls remain effective, customer-friendly and compliant


• Engage and influence senior stakeholders, leading governance forums and representing AGL as a trusted credit and fraud risk advisor, while translating insights into clear, commercially driven decisions and outcomes


• Drive cost optimisation and vendor performance by managing vendors, OPEX, leading efficiency initiatives, and ensuring strong governance, risk management and commercial outcomes across partnerships


• Manage AGL’s Customer Acquisition engine ‘Shield’, its operations and performance


• Foster a culture of analytical, data-driven decision making while ensuring strong controls, compliance and continuous improvement across customer acquisition processes

What you’ll bring:

• Strong analytical capability, with experience translating data insights into actionable outcomes and process improvements


• Proven ability to drive end-to-end change, delivering sustainable operational and risk improvements


• Sound understanding of credit, fraud and/or risk frameworks, with awareness of regulatory requirements and their impact on business decisions


• Experience in process, change or project management, with a focus on continuous improvement


• Excellent communication and stakeholder engagement skills, with a tertiary qualification in a relevant field preferred (Business/ Commerce or related business discipline)

What’s in it for you?

• Shape how AGL balances growth and risk, influencing enterprise-level decisions


• Work across senior stakeholders, gaining exposure to strategy, governance and commercial trade-offs


• Build deep expertise in credit, fraud and risk management within a complex, regulated environment


• Drive meaningful change through data-led insights and continuous improvement initiatives


• Join a collaborative, high-performing team focused on innovation, accountability and better customer outcomes

Inclusion at AGL

At AGL, we value diversity and welcome applicants from various backgrounds, including Aboriginal and/or Torres Strait Islander peoples, individuals with disabilities, culturally diverse individuals, and members of the LGBTQ+ community. AGL is dedicated to maintaining a diverse workforce and encourages applicants to share their lived experiences. We offer reasonable adjustments throughout the recruitment process and respect the privacy of those who choose not to disclose. To learn more visit: www.agl.com.au/careers

AGL is proud to be a WORK180 Endorsed Employer for All Women.

AGL is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

Our pre-employment screening process includes a Nationally Coordinated Criminal History Check and a medical assessment if necessary.

The information provided as part of your application to AGL will be managed in accordance with the AGL Privacy Policy.

Location

Docklands VIC 3008

Job Family Group

Credit