Senior Risk Analyst

At Latitude, data drives better decisions, smarter lending, and stronger outcomes for our customers. As a Senior Risk Modeller, you'll play a key role in shaping those decisions by developing and enhancing the quantitative models that underpin our lending and risk management strategies. Working as part of the Risk Modelling Centre of Excellence, you'll build, maintain and improve models across the full lifecycle of Latitude's financial products. From credit scorecards and IFRS 9 provisioning models through to forecasting, stress testing and emerging risk frameworks, you'll combine data, analytical thinking and commercial insight to help influence critical business decisions. This is an opportunity to work on high-impact modelling challenges, collaborate with experienced risk professionals, and contribute to the evolution of Latitude's modelling capability as we continue to innovate and embrace new technologies. Let’s look at some key responsibilities: Develop and deploy traditional credit risk models in line with established Model Governance framework, including credit scorecards, IFRS 9 models, etc. Identify relevant data sources, clean and prepare modelling data including validation. Support research and development to innovate with new methodologies with a focus on building and deploying explainable and robust models. Support model monitoring, enhancements, and governance across credit scorecards, provisioning, forecasting, stress testing, and climate risk, including policies, standards, and procedures. Perform ad-hoc analytics related to model development, monitoring and performance assessment, and provide key insights to business stakeholders. Demonstrate an agile and accurate contribution to business-critical enquiries and strategic initiatives. Support the delivery of Risk Modelling priorities to tight timelines. Ideally, we're looking for the following: Tertiary qualification in practical numerate discipline. A successful track record of developing quantitative models in the Consumer Risk Management & Financial Industry (2 years +). Understanding of traditional modelling techniques (e.g., logistic regressions, PD/LGD/EAD), and high-level understanding of newer machine learning techniques. Expertise in data mining and developing quantitative models using multiple programming languages including SQL, Python or R. Commercial acumen along with experience across parts of the credit life cycle. High-level understanding of relevant international and local accounting standards (IFRS9). A curious and business outcome focused approach partnered with a problem-solving attitude. The ability to be a strong collaborator and be comfortable working with business stakeholders to identify and shape problems to be solved with data. You are familiar with AI tools - comfortable using tools to accelerate insights, automate routine work, prepare reporting, and tailor content quickly and effectively. Sometimes the best candidates don’t have 100% of what is listed above, but if you have most and are confident, you’d be a good fit, we’d love to hear from you! Sound like you? That's a good sign! In return for your energy and ideas, we offer a flexible working environment and great compensation. We always support a safe, healthy, engaging, and productive working environment for all employees and workers, whether that be in your home and office, or a combination of both. We make it possible – for our customers, our partners, and our people. We believe doing great work starts with feeling supported. Our values, take ownership , pursue excellence , win together , and create tomorrow , aren't just words. They show up in how we work, how we lead, and how we look after our team. We make it possible… to spend more time with your loved ones – with an extra week of paid leave each year through our Take 5 initiative. to balance work and life – with a hybrid working model, giving you the flexibility to work from home while connecting in the office. to put your wellbeing first – with Sonder , a 24/7 support app for mental and physical wellness. to access great financial benefits – with discounts on Latitude products and services. When our people thrive, everything else follows. Successful applicants will be required to complete a background check (including criminal history and bankruptcy check) prior to commencement of employment.