Senior Credit Risk Officer

Yard; Sydney; On-site; AUD 120,000 - 160,000; Full time

Job summary

Yard is hiring a Senior Credit Risk Officer to join our fast-growing fintech lending team in Sydney. You will assess complex consumer mortgage scenarios, ensure strict risk and compliance standards, and mentor other risk professionals.

As part of an agile group, you will drive risk strategies, maintain quality controls, and support loan consultants to deliver exceptional customer service and outcomes.

Qualifications

• 8+ years in ADI or non-bank lender with DLA in consumer residential mortgages.
• Experience handling diverse and complex residential mortgage scenarios.
• Pipeline management with multiple tasks and deadlines.
• Builds rapport and maintains long-term customer partnerships.
• Meets risk, compliance and quality requirements of lenders or partners.
• Experience leading a team of credit risk professionals or willingness to lead.
• Develops and maintains risk management strategies and policies.

Responsibilities

• Assess credit applications with focus on risk and compliance.
• Develop and mentor junior risk staff over time.
• Lead risk strategy development and policy implementation.
• Support loan consultants to ensure excellent customer service outcomes.

Skills

DLA experience

Residential mortgages

risk management

team leadership

compliance

stakeholder communication

analytical thinking

mortgage lending knowledge

Tools

Risk systems

Job description

Senior Credit Risk Officer

About this position

We are looking for an entrepreneurial Credit Risk Officer to become an integral part of our team. We want to create exceptional home buying experiences for Australians and, as we rapidly scale, we see the combination of highly skilled credit assessors with our technology as key to our growth.

We think that this role will be perfect for an experienced credit risk manager who has a track record in quickly dissecting diverse and complex consumer lending scenarios. We’re after somebody who’s up for not only assessing credit applications but also with time, developing and mentoring others.

Who are we looking for?

We’re looking for somebody who is organised, has a meticulous eye for detail, with a focus on maintaining the highest risk and compliance standards. You must be passionate and proactive about meeting quality and performance expectations, supporting our loan consultants in delivering exceptional customer service outcomes. We’re an agile group of people at Yard… we execute quickly and will love you if you are a good team player with self-motivation and the ability to work autonomously. We will also love you more if you have:

• 8+ years’ experience within an Authorised Deposit-taking Institution or non-bank lender, holding a Delegated Lending Authority (DLA) within consumer residential mortgage lending;
• A proven record in dealing with diverse and complex lending scenarios, with a focus on residential mortgages;
• Diligent skills in managing a pipeline of customer transactions with multiple tasks and deadlines;
• The ability to build rapport, show empathy whilst building strong and long-term customer partnerships;
• A history in meeting risk, compliance and quality requirements set down by a non-bank lender or bank and/or any institutional funding partners;
• Previous experience in managing a team of credit risk professionals, or a willingness to take on this responsibility in the future;
• A track record in developing and maintaining risk management strategies and policies;
• Excellent verbal and written communication skills;
• A strong attention to detail;
• Commercial acumen.

About Yard

Yard is an exciting Australian fintech lender that’s quickly establishing itself as a leading digital brand! We’re obsessed with designing innovative home loan solutions that are simple, transparent and fairly priced. We have made the home loan experience better for people. That means using the latest technology, providing exceptional Australian-based customer service and offering a commitment that our customer’s needs come first.

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We’re an award winning lender!

Helping Australians build wealth through residential property

Level 17, 300 Barangaroo Avenue, Sydney NSW 2000