About MONEYME:

MONEYME is a founder-led digital lender and Certified B Corporation™. We challenge the traditional ways of credit and simplify the borrowing experience with digital-first experiences that meet the needs of modern consumers. We offer a range of fast, flexible, and competitively priced products that span our customers’ credit lifecycle, including personal loans, credit cards, and car loans. We deliver unrivalled customer experiences powered by smart technology, speed and efficiency.

We are for ambitious Australians that expect more from life and the companies they engage with. We uphold a strong ethos of sustainability and hold ourselves accountable to the high standards of the B Corp movement. Our culture is energetic and driven, and we continually challenge the status quo… we’re nothing like your traditional finance institution. We have recently been certified as a B Corp and a Great Place To Work. We’re proud to have built a culture where people feel heard, cared for, and empowered to push boundaries. We wouldn’t be able to continually improve and grow as a company without our diverse and exceptional team.

What we are looking for:

We are building 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. We'll require the candidate to have at least 2 years relevant experience.

Responsibilities for this position include:

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

• Monitoring and development of credit risk scorecards used for decisioning, risk pricing and collections using advanced statistical techniques, machine learning/AI and various internal/external data sources including credit bureau and customer financials. Leverage analysis to pricing including elasticity and minimum coverage targets to deliver agreed portfolio returns
• Perform risk analytics on debt collections and recoveries strategies including NPV analysis, lifetime value and IRR establishing mathematical models/frameworks to evaluate alternative champion/challenger approaches.

• Monitor leading credit indicators to ensure compliance within the agreed risk appetite scorecard for each product using insights from portfolio performance

• Ownership of expected credit loss provisioning models across various products, including tracking of drivers like PD/EAD & LGD and movement across stages and backtesting analysis to maintain relevancy of the models used

• Supporting monthly reporting and ad-hoc deep dives for a range of credit KPIs tracking performance across lifecycle and drive credit policy changes based on observed trends/patterns of emerging risk.

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.
• Enhance and maintain credit reports including integrity, governance, scalability and perform additional deep dives as required.

• 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.

• At least 2 years of experience in analytics, reporting 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.

Salary for this role will be $110k - $130k + super.

Department

Data Intelligence

Role

Data Analyst

Locations

Sydney CBD Office

Employment type

Full-time

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