About MONEYME:

MONEYME is a leading Australian FinTech disruptor on course to become the #1 challenger to the major banks. With a focus on innovation, we fund Australians’ ambitions with market-leading speed and seamless customer experiences. Leveraging AI and advanced, cloud-based technology, we offer highly automated credit products across personal, auto and real estate finance.

Our core brands MONEYME and SocietyOne reflect digital-first experiences that meet, and exceed, the expectations of ‘Generation Now’. Our culture is young, fresh, energetic and we continually challenge the status quo… we’re nothing like your traditional finance institution.

Our innovative products include personal loans, secured automotive loans, a credit card, real-estate vendor BNPL, credit score app and two banks accounts for saving and spending. Our products are distributed both direct to consumer as well through partners such as brokers, agencies and dealerships.

In 2022 we started heavily investing in the MONEYME brand with the ambition be a household name in the near future.

What we are looking for:

We are looking for an experienced credit risk professional to assist building and evolving market leading capabilities in our Credit Risk function. The Credit Risk team manages and supports a broad range of initiatives across product, credit risk and collections using a data driven approach across the entire suite of products – Personal Loans, Line of Credit , AutoPay and ListReady.

Responsibilities for this position include:

• Oversight of in-house and outsourced collections and recovery strategies to deliver performance per agreed KPIs.

• Proactively lead insight generation and identify opportunities for improvement in metrics like roll rates, cure rates, loss and recovery rates.

• Champion ongoing enhancement and development of credit policies considering emerging macro-economic risks and agreed appetite/performance.

• Collaborate with key stakeholders to drive initiatives leading to delivery of credit performance within the agreed risk appetite scorecard for each product.

• Lead the charge on enhancement of Expected Credit Loss Provisioning process and forecasting including liaison with third parties for timely and accurate outcomes.

• Supporting monthly reporting for a range of credit KPIs for internal and external stakeholders.

To be successful in this role you must have the following:

• Experience in consumer lending with a solid understanding of unsecured credit risk policy levers.

• Experience in collections strategies , test and learn including understanding of operational processes, setting dashboards and metrics.

• Highly analytical with attention to detail – experience in loss provisioning models per AASB9 standards desirable (but not a must).

• Experience in data manipulation and visualization tools like SAS VA, SQL, PowerBI, etc.

• Hands-on experience in analytics and development/ tracking of KPI's.

• Knowledge of legal and regulatory framework regarding consumer credit would be an advantage.

• Solid written and oral communication skills – ability to articulate insights to diverse stakeholders and influence outcomes.

What's in it for you:

MONEYME’s employees and culture are core to who we are. We know that without a high-performing and engaged Team MONEYME, we will not achieve our ambitious goals for the future. We are proud to offer a collaborative and fun work environment.

MONEYME is an equal opportunity employer and we value diversity, equity, and inclusion. We are committed to creating a diverse and inclusive workplace and encourage applicants from all backgrounds to apply. We believe that the unique contribution of our employees is a key driver of our success. We stand together – our diversity and inclusion give us an edge.

Department

Credit Risk

Role

Credit Risk Manager

Locations

Sydney CBD Office

Remote status

Hybrid Remote

Employment type

Full-time

Already working at MONEYME?

Let’s recruit together and find your next colleague.