Manager, Portfolio Credit Risk

Judo Bank Pty; Melbourne; Hybrid; AUD 180,000 - 240,000; Full time

Benefits offered by this job

Two weeks of additional leave

Health & wellbeing program

WFH setup allowance

Flexible hybrid work

Job summary

Judo Bank Pty in Melbourne is seeking a Manager, Portfolio Credit Risk to strengthen our credit risk framework and support growth of the SME loan book.

Reporting to the Head of Portfolio Credit Risk, you’ll lead ECL assessments, governance of IFRS 9/AASB 9, and portfolio analytics, delivering insights to executives and risk committees. A collaborative, data-driven leader is required to drive change and improve reporting.

Qualifications

• Experience in portfolio credit risk and provisioning.
• Knowledge of IFRS 9 / AASB 9 frameworks.
• Experience analysing portfolio performance and stress testing outcomes.
• Advanced analytics with SQL, Python/R, Power BI, Snowflake.
• Strong stakeholder management and communication skills.
• Continuous improvement mindset and driving change.

Responsibilities

• Lead enhancement of IFRS 9/AASB 9 ECL methodology.
• Oversee portfolio risk analytics, provision assessments, and stress testing.
• Assess provision adequacy and emerging portfolio risks.
• Drive improvement of risk models, reporting, and governance.
• Partner with Finance, IR and Risk for internal and external reporting.
• Present analysis to senior management and risk committees.
• Identify opportunities to automate risk reporting and analytics.
• Develop portfolio risk capabilities across Credit Risk.
• Foster a collaborative, learning-focused team environment.
• Role model Judo's values and culture.

Skills

Portfolio credit risk

IFRS 9/AASB 9

Credit analytics

Stress testing

SQL

Python

Power BI

Stakeholder management

Tools

SQL

Python

R

Power BI

Snowflake

Job description

At Judo, we’re redefining business banking for the modern era. Built on teamwork, trusted relationships and a challenger spirit, we exist to better serve Australian SMEs. What began in 2016 as a bold idea has grown into one of the fastest‑growing new banks globally, with more than 30 locations nationwide.

We put our people and customers at the heart of everything we do. Our agility means we can say ‘yes’ when others say ‘no’, delivering personalised banking that helps businesses access the funding they need, when they need it. Relationships matter here – with our customers and with each other.

Our culture – a multi‑award‑winning place to work

We firmly believe that culture eats strategy for breakfast, lunch, and dinner and that the most important investment we can make is in our people. Our values of Trust, Teamwork, Accountability and Performance guide how we work every day.

Judo was built from the ground up with a clear purpose: to be the most trusted SME business bank in Australia. Our customers and relationships are at the heart of how we work, not bureaucracy. We think differently, invite new ideas, and create an environment where people feel they belong and are empowered.

We’re proud to be externally recognised too – including being named on the AFR BOSS Best Places to Work list for four consecutive years. We are certified as a Great Place To Work® Australia organisation, being recognised as one of Australia’s Best Workplaces™ 2025, celebrating our dedication to fostering an inclusive, empowering environment.

Our vision is to build a world‑class SME business bank and it’s our people that can make it happen.

Job Description

Now, about this opportunity…

We're looking for a Manager, Portfolio Credit Risk to play a key role in strengthening Judo's credit risk management framework and supporting the continued growth of our portfolio.

Reporting to the Head of Portfolio Credit Risk, you'll lead critical portfolio risk analytics, expected credit loss (ECL) assessment activities and provision stress testing, helping ensure our credit risk methodologies remain robust, fit-for-purpose and aligned to evolving business needs. You'll work closely with teams across Risk, Finance, Investor Relations and senior business stakeholders, delivering insights that support informed decision-making and strong risk outcomes.

This is an opportunity to combine technical expertise, strategic thinking and stakeholder influence in a role that directly contributes to Judo's long‑term success.

If that excites you, this just might be your dream job:

• Lead the ongoing enhancement and governance of Judo's IFRS 9 / AASB 9 Expected Credit Loss (ECL) methodology and provisioning framework.
• Oversee portfolio credit risk analytics, provision assessments and stress testing activities, delivering meaningful insights to support executive decision‑making.
• Assess provision adequacy and emerging portfolio risks, providing constructive challenge and independent risk perspectives.
• Drive continuous improvement of credit risk models, methodologies, reporting and governance frameworks.
• Partner with Finance, Investor Relations and Risk teams to support internal and external reporting requirements, including regulatory obligations.
• Present analysis and recommendations to senior management, risk committees and executive stakeholders.
• Identify opportunities to automate, streamline and enhance risk reporting, analytics and processes.
• Support the development of portfolio risk capabilities across the broader Credit Risk function.
• Foster a collaborative team environment focused on learning, development and continuous improvement.
• Role model Judo's values and contribute positively to our culture.

Qualifications

You’ll likely bring:

• Demonstrated experience within portfolio credit risk, credit analytics, provisioning, impairment modelling or broader risk management disciplines.
• Strong knowledge of IFRS 9 / AASB 9 Expected Credit Loss frameworks and credit provisioning methodologies.
• Experience analysing portfolio performance, impairment trends, credit risk drivers and stress testing outcomes.
• Advanced analytical capability, with experience using tools such as SQL, Python, R, Power BI and/or Snowflake.
• The ability to translate complex data and technical concepts into clear, actionable insights for a range of audiences.
• Strong stakeholder management skills, with the confidence to engage, influence and provide constructive challenge at senior levels.
• A continuous improvement mindset and a track record of driving change and enhancing existing processes.
• Confidence making decisions and owning outcomes.
• A collaborative, relationship‑led approach to your work.
• Curiosity, adaptability and a desire to keep learning.
• A passion for supporting Australian SMEs and helping build a world‑class business bank.

If you don’t meet every requirement, we still encourage you to apply – your experience, mindset and potential matter to us.

Additional Information

Why you’ll love working at Judo:

• Two Weeks of Additional Leave Every Year
• Holistic Health & Wellbeing Offerings designed to support your best life, including access to GPs, nutritionists, coaches and psychologists via our partner, CU Health
• Working from Home Setup Allowance
• Flare Benefits & Discounts - access to a wide range of everyday savings and perks
• Freedom to work flexibly with flexible work options including hybrid working
• Equal access to Company Paid Parental Leave – up to 20 weeks
• Education Assistance

Judo is proud to be an inclusive workplace where everyone is valued and can feel that they belong. We welcome applications from people of all backgrounds, experiences and identities.

To learn more about how Judo manages your personal information during the recruitment process, please refer to our Privacy Statement. By providing your information, you consent to its collection, use, disclosure, and management as outlinedtherein.

By clicking the link above or any third‑party link within this posting, you are leaving this site and going to a third‑party website where the third‑party website's terms and privacy policy apply