Risk Analytics & Insights Lead

Location: Christchurch or Melbourne, hybrid, with remote considered for the right NZ or

Australia-based candidate

About SMB

SMB Money started out as an unsecured consumer lender built on a mix of technology and

manual processes. Over the past year, we have transformed into an agile, fully digital fintech

lender, powered by a market-leading, fully automated credit decisioning environment.

We are now scaling into mainstream personal loans, pairing the customer care and

responsible-lending discipline that built our reputation with a broader suite of longer-term

credit products designed for everyday New Zealanders.

It's a genuinely exciting time to join us!

We are building green-field risk infrastructure on the shoulders of a trusted brand, balancing

compliance and customer experience while steering SMB's next phase of high-growth

innovation.

About the Role

Numbers tell the story of every loan we write; from the moment someone applies to the day

their account closes in good standing (or doesn't). We are looking for a Risk Analytics & Insights

Lead to own that story end-to-end. You will turn origination, portfolio, and collections data into

the reporting, insight, and early-warning signals that drive how SMB lends, prices, and

manages risk.

This is a hands-on, high-visibility role sitting close to the Chief Risk, Data and Analytics Officer,

with your work feeding directly into credit strategy, pricing decisions and board-level reporting.

You will build and run the analytics engine behind our lending book, tracking how applications

convert, how accounts perform, how collections and delinquency trends move and how our

scorecards and models are holding up in the real world. You will work in a modern AWS-based

data stack, writing production-grade R and Python, and translating what the data shows into

recommendations the business can act on.

If you love finding the story hidden in a portfolio, the segment that is quietly drifting, the

vintage that's outperforming, the scorecard characteristic losing its edge, and you want that

story to change decisions, this role is built for you.

Key Responsibilities

- Own SMB's risk and credit reporting suite, covering originations, application

funnel/conversion, account performance, and collections/delinquency. Keep it accurate, timely,

and genuinely useful to decision-makers.

- Design and automate dashboards and reporting pipelines in R/Python on AWS, replacing

manual spreadsheet work with reliable, repeatable analytics.

- Track and interpret portfolio health metrics such as vintage curves, roll rates, arrears buckets,

and cure and recovery rates, and flag emerging risk before it shows up in the loss numbers.

- Monitor application and behavioural scorecard and model performance (PSI, KS, gains/lift,

characteristic and override analysis), working closely with the credit risk modelling team to

keep scorecards sharp and fit for purpose.

- Turn origination, pricing, and channel data (including broker channels) into insight that

informs underwriting policy, risk-based pricing, and growth strategy.

- Partner with Collections and Underwriting to surface early-warning indicators and support

data-led decisions on treatment strategies and hardship response.

- Build the analytics and reporting backbone for regulatory and compliance obligations,

including CCCFA-related reporting and responsible lending metrics.

- Present findings and recommendations clearly to non-technical stakeholders, from Ops

teams through to the Chief Risk, Data and Analytics Officer and executive leadership.

- Own data quality for risk reporting. Chase down anomalies at the source rather than patching

them downstream.

- Help lift quantitative and reporting capability across the wider Risk and Ops team through

informal coaching and well-documented, self-serve reporting tools.

Skills and Experience

Essential:

- Strong hands-on skills in R and/or Python for data analysis, automation, and reporting.

Comfortable writing production-quality code, not just ad hoc scripts.

- Experience building analytics and reporting on a cloud data stack, ideally AWS (e.g. Redshift,

S3, Athena, QuickSight, Glue) or an equivalent modern stack.

- Strong SQL skills and comfort working with large, imperfect, real-world lending data.

- Experience monitoring scorecards or predictive models in production (population stability,

characteristic drift, performance tracking). You don't need to build models from scratch, but

you understand how they're meant to behave and can spot when they're not.

- Track record building clear, decision-ready dashboards and reports (e.g. QuickSight, Power BI,

Tableau, or similar) for both technical and business audiences.

- Excellent communication skills, able to translate analytical findings into plain-English insight

for underwriting, collections, and leadership stakeholders.

- A self-starting, detail-oriented approach. Comfortable owning a reporting domain end-to-end

with minimal hand-holding.

Desirable:

- Experience in consumer or SME lending, fintech, or another regulated financial services

environment in New Zealand or Australia.

- Solid grounding in consumer credit risk concepts, including originations and application

funnels, account/portfolio performance, delinquency and collections, and vintage and roll-rate

analysis.

- Familiarity with loan management/decisioning platforms such as Mambu, or credit bureau

data (Equifax, Centrix, Experian / Illion).

- Exposure to affordability/serviceability methodologies, IFRS 9 provisioning, or behavioural

scoring frameworks.

- Experience reporting on broker or intermediary origination channels.

- Exposure to CCCFA or other responsible lending regulatory reporting requirements.

What We Offer

- A high-visibility role with direct line of sight to the Chief Risk, Data and Analytics Officer and

real influence over credit strategy.

- The chance to build modern, automated risk analytics from the ground up on a green-field

AWS stack, rather than inherit someone else's legacy reporting.

- Flexible, hybrid or remote working arrangements across New Zealand and Australia.

- High ownership and autonomy, in a lean team where your work is seen and used.

- A collaborative, no-ego culture at a scaling fintech with a 13-year track record of responsible

lending.

- Competitive salary and a performance-based incentive structure.

Join us in shaping the future and apply now!