Credit Risk & Compliance Specialist

• Build credit policy and governance foundations: Create review and maintain credit policies procedures decisioning rules and program documentation to support compliant and commercially sound lending operations.
• Design practical lending frameworks: Help establish the operating model for credit risk governance including approvals escalation paths ownership controls and exception frameworks.
• Support credit decisioning and portfolio oversight: Define and document decisioning requirements policy rules risk indicators portfolio reporting stress testing outputs and management dashboards.
• Embed risk appetite into lending processes: Support the application of the Risk Appetite Statement across credit decisioning and portfolio oversight providing input into potential updates or refinements.
• Partner across the business: Work closely with Product Operations Technology Risk & Compliance Legal and Customer teams to ensure credit policy workflow design and decisioning processes are practical consistent and scalable.
• Design and document credit controls: Support the design of controls across valuation LVR collateral security requirements responsible lending AML/CTF arrears hardship complaints and other key lending processes.
• Support product and pricing changes: Assess credit risk impacts control requirements and implementation considerations for new or changing products pricing models and lending processes.
• Prepare high-quality documentation and recommendations: Develop committee papers implementation artefacts policy documents process maps and governance materials for relevant stakeholders and forums.

Qualifications :

• What Youll Bring:
  • Experience in residential lending credit risk credit policy portfolio risk or lending operations.
  • Strong understanding of home loan credit assessment risk-based decisioning and policy governance.
  • Experience working in a regulated lending environment with familiarity across responsible lending obligations.
  • Ability to create review and document policies procedures decisioning rules controls and governance frameworks.
  • Strong analytical skills with the ability to interpret data identify trends and translate insights into practical actions.
  • Confidence partnering across business risk legal product technology and operational stakeholders.
  • Strong written communication skills including the ability to prepare clear papers recommendations and implementation documentation.
  • A practical hands-on approach with the ability to build frameworks processes and controls in a fast-moving environment.
• Nice to Haves:
  • Experience in an ACL non-bank lender aggregator bank mortgage manager or specialist lending environment.
  • Exposure to credit policy frameworks credit scorecards lending exceptions model governance or credit committees.
  • Understanding of Design and Distribution Obligations compliance frameworks and control assurance processes.
  • Experience supporting product changes portfolio strategy pricing decisions or risk appetite settings.
  • Exposure to stress testing portfolio monitoring arrears hardship early warning indicators or customer outcome initiatives.

Additional Information :

Lendi Group teams operate across Australia and the Philippines. Bringing together diverse expertise innovative technology and a customer-first approach our teams work seamlessly to simplify the property journey helping Australians find buy and own property with confidence. 

We support our people in a variety of ways but a few of the benefits that our people rave about include: 

• A vibrant relaxed yet professional culture. 
• Hybrid working arrangement designed to support work-life balance while fostering meaningful connection and collaboration. 
• A holistic wellbeing programs offering 24/7 support including medical mental health and financial wellbeing services to enable our workforce to thrive at home and work. 
• generous paid Parental Leave: we celebrate our growing Lendi Group family with 18-26 weeks leave for primary carers and up to 4 weeks for secondary carers. 
• An additional weeks Loyalty Leave each year after reaching 3 years service. 
• Wellness initiatives with a strong focus on psychological safety.

Were committed to fostering a diverse and inclusive community at Lendi Group. We believe that a team reflecting the world around us leads to greater innovation stronger collaboration and a more engaging workplace.

Our culture is guided by our 3 core values: We Are Stronger United; Act Like You Own It; and Keep Home Loans Human. Our values are part of our core DNA that helps Lendi Group attract engage and evolve talent and build best-in-class products.

Feeling like you dont meet all the skills listed Thats ok; we are always on the lookout for different skills experience and qualities and so wed still like to hear from you.

Remote Work :

No

Employment Type :

Full-time