Senior Credit Risk Manager – Residential Lending

Lendi Group is a market-leading digital platform business that is focused on revolutionising the entire property journey. It operates Lendi - Australia’s original and #1 digital mortgage brand - and the iconic Aussie franchise. Powered by an advanced AI proprietary platform, a national network of 1,300 brokers, 230 retail stores, a team of experienced buyer’s agents, integrated property search and conveyancing, Aussie is supporting customers at every step of their property journey to find, buy and own with more confidence than ever before. Lendi Group’s loan book is more than $100b and it was named Australia’s Aggregator of the Year for 2024. To learn more about life at Lendi Group check out our blog: https://www.lendi.com.au/inspire/category/life-at-lendi/ Innovation at Our Core – We challenge the status quo and push boundaries to create better solutions, with a goal of becoming AI-native by June 2026. Work with the Best – Collaborate with some of the brightest minds in fintech, financial services, and strategy. Make an Impact – Contribute to meaningful projects that shape our business and the future of property finance. Grow & Evolve – Develop your skills and advance your career in a fast-moving, purpose-driven environment. About The Role We’re looking for a Senior Credit Risk Manager – Residential Lending who’s excited by the opportunity to help build something from the ground up. In this role, you’ll help shape the credit risk and compliance foundations for Lendi Group’s home lending businesses — designing the policies, controls, decisioning frameworks and governance processes that support a scalable lending model. You’ll work closely with teams across Product, Operations, Technology, Risk & Compliance, Legal and Customer to turn big-picture strategy into practical processes, tools and documentation. It’s a great fit for someone who enjoys solving complex problems, bringing structure to ambiguity, and balancing strong credit judgement with commercial thinking. This is an 8-month contract role, with the potential to become permanent once the design and build phase is complete, depending on how the project progresses and ongoing business needs. 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. What You’ll 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. 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 week’s Loyalty Leave each year after reaching 3 years’ service. Wellness initiatives with a strong focus on psychological safety. We’re 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 don’t meet all the skills listed? That’s ok; we are always on the lookout for different skills, experience, and qualities and so we’d still like to hear from you.