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.