Senior Credit Assurance Officer

Capricorn; Perth; Hybrid; AUD 120,000 - 160,000; Full time

Benefits offered by this job

Hybrid work model

14 weeks parental leave

Two extra days of paid leave

Wellbeing and lifestyle perks

Learning and study assistance

Additional benefits e.g., novated/leas

Job summary

Capricorn is seeking a Senior Credit Assurance Officer to provide independent oversight across our credit portfolio, ensuring decisions, controls, and processes align with policy and regulatory obligations.

The role is hands-on with no direct reports, focusing on practical targets, data quality, and timely Triages across a high-volume environment to strengthen governance and credit quality.

Qualifications

• Seven+ years in credit risk, assurance, or related fields.
• Experience with assurance reviews and risk-based assessments.
• Ability to analyse portfolio performance and data trends.
• Proven track record improving governance, controls, and reporting in high-volume environments.
• Strong stakeholder engagement and communication with senior leaders.

Responsibilities

• Provide independent oversight of Capricorn’s credit portfolio and risk controls.
• Establish practical targets, reporting, and triage approaches.
• Improve data quality and review workflows to ensure timely outcomes.
• Translate findings into clear recommendations and drive business improvements.
• Collaborate across Credit, Operations, Debt Recovery, Sales, Product, and Compliance to strengthen governance and credit quality.

Skills

Credit risk

Portfolio analysis

Data analytics

Stakeholder engagement

Leadership (non-managerial)

Regulatory compliance

Auditing

Education

Bachelor's degree in Finance/Commerce or related

Certifications in Risk/Compliance (preferred)

Job description

A little about us

Capricorn is one of Australia and New Zealand’s largest and most dynamic Member-owned organisations. Since 1974, we’ve provided our Members with financial and business solutions to make running a business easier. Our flagship Trade Account offers instant credit with over 1600 Preferred Suppliers, simplified monthly expenses, and a generous rewards program.

We have a strong foundation in the automotive and machinery aftermarkets. Our vibrant community includes over 31,000 Members across Australia and New Zealand, from national franchises to your local family workshop. Last year, Capricorn facilitated nearly $4bn in sales with our Preferred Suppliers.

At Capricorn, we're about more than just products and services. We work hard to ensure that our Members, Suppliers and People feel like they're part of something bigger: a Community which is connected and supported to make a difference, while having some fun along the way!

A little about the role

As Senior Credit Assurance Officer, you will provide independent oversight across Capricorn’s credit portfolio, helping ensure credit decisions, controls and processes align with policy, risk appetite and regulatory obligations.

This is a hands‑on technical leadership role with no direct reports. Alongside day‑to‑day assurance operations, you will establish practical targets, reporting and triage approaches, improve data quality, and review workflows to support consistent and timely outcomes across a high-volume environment.

You will analyse portfolio performance, lead risk‑based assurance reviews and identify control or compliance issues requiring action. Working across Credit, Operations, Debt Recovery, Sales, Product, Operational Risk and Compliance, you will translate findings into clear recommendations and lead business improvements that strengthen governance, operational efficiency and credit quality.

What you’ll bring

We’re looking for an experienced credit risk or assurance specialist who can combine rigorous analysis and sound judgement with hands‑on operational leadership and a practical improvement mindset.

What’s essential

• At least seven years’ experience in credit risk, credit assessment, assurance, audit, compliance, banking, financial services or a related discipline.
• Demonstrated experience conducting assurance reviews, audits, quality programs or risk‑based assessments.
• Strong capability in analysing credit portfolio performance, complex data and emerging risk trends, and developing clear, actionable insights.
• Proven experience improving processes, governance, controls, reporting and operational efficiency in a high-volume environment.
• Advanced knowledge of credit risk assessment, portfolio management, governance, compliance and assurance frameworks.
• Strong stakeholder engagement, influencing and communication skills, including presenting findings and risk‑based recommendations to senior leaders.
• Technical leadership, mentoring or coaching experience, with the ability to improve capability and consistency without formal people‑management responsibility.

Highly regarded

• Professional qualifications or certifications in Credit Management, Risk Management, Internal Audit, Compliance, Accounting or Financial Services.
• Membership of a recognised professional body relevant to risk, audit, finance or credit management.
• Experience supporting audit, remediation, system enhancement, automation or process optimisation initiatives.
• Experience developing products and partnerships that improve customer, member or supplier value in a mutual, membership or network‑based organisation.
• A bachelor’s degree in Business, Commerce, Marketing, Economics or a related discipline is preferred. Formal qualifications or training in product management, commercial management or financial management will be highly regarded.

A little on life at Capricorn

At Capricorn, we’re committed to creating an environment where our people can thrive, both professionally and personally. That’s why we’ve built a range of benefits that support wellbeing, flexibility, development, and important moments in life, helping our people do their best work while balancing what matters most to them.

Our benefits include:

• A hybrid work model for office‑based team members, with flexibility to work both from home and the office.
• 14 weeks inclusive paid parental leave for all eligible Team Members, providing equitable support of all parents and caregivers.
• Two additional days of paid leave to support moments that matter to you.
• Wellbeing, fitness, and lifestyle perks through WHEREFIT and Perkbox.
• Learning and development opportunities, including training opportunities and study assistance for eligible team members.
• Additional benefits such as purchased leave, salary continuance insurance, social club, novated leasing and more.