Senior Credit Risk Leader — Frameworks, Analytics & Oversight

Cuscal Limited; Sydney; On-site; AUD 180,000 - 240,000; Full time

Benefits offered by this job

Recognition and growth

Wellbeing focus

Inhouse Barista

Job summary

Cuscal is seeking a Senior Manager, Credit Risk to safeguard the credit risk framework and oversee portfolio management, policy adherence, and risk oversight across the organisation. The role provides data-driven insights for informed decision-making, risk mitigation and portfolio performance.

You will oversee credit limits, maintain policy standards, review credit applications, develop chargeback risk methodologies, and liaise with APRA while driving improvements in credit risk policies.

Qualifications

• Deep knowledge of APS 220/221/222 and APRA environment.

Responsibilities

• Oversee management of credit limits and exposures.
• Maintain credit risk policy, standards and procedures.
• Maintain limits and review framework for exposures.
• Review and endorse credit applications and reviews.
• Develop risk methodologies for chargeback risk.
• Provide technical risk support to first line.
• Prepare Board and RM committee papers.
• Liaise with APRA as required.
• Improve credit risk policies and implementation.
• Identify emerging credit/counterparty risks.
• Provide training and tools to first line to manage risks.
• Assist with remediation actions.

Skills

APS 220/221/222 knowledge

Credit analysis

Credit procedures

Loan security docs

Balance sheet risk

Treasury credit risk

Regulators experience

Data analytics

Tools

Power BI

Excel

SQL

Job description

Cuscal is seeking a Senior Manager, Credit Risk to safeguard the credit risk framework and oversee portfolio management, policy adherence, and risk oversight across the organisation. The role provides data-driven insights for informed decision-making, risk mitigation and portfolio performance.

You will oversee credit limits, maintain policy standards, review credit applications, develop chargeback risk methodologies, and liaise with APRA while driving improvements in credit risk policies.