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Mission: To build and lead Skip’s second-line Credit Risk function – the independent check that keeps our credit quality, portfolio performance and regulatory standing strong as we scale the loan book many times over. This role exists to turn credit risk from something that lives in one or two people’s heads into a real, evidenced, scalable function: clear risk appetite, sharp policy, robust assurance and QA, and reporting that our board, funders and regulators can trust. You will be the person who owns how Skip thinks about and controls credit risk day to day – working closely with our Head of Credit & Underwriting, a 30-year credit and LMI veteran, who will act as your mentor and advisor as you grow into the full breadth of the function over time.   About the role: Skip has deep credit seniority at an advisory level, but we have not yet built out the operating engine of a modern credit risk function – the frameworks, assurance, QA, monitoring and reporting that let a small team hold the line on quality while the business grows fast. That is what you will own and build. You will sit in the second line of defence, independent of day-to-day credit operations (the first line). Where the Credit Operations team owns getting applications assessed and decisions made, you own the framework those decisions are made within, and the independent assurance that they are sound: risk appetite, credit policy, delegated authority calibration, QA and assurance, portfolio monitoring, and credit risk reporting. You will report to the Head of Operations, with a dotted line to our Head of Credit & Underwriting as your mentor and to the Credit Committee, to whom the second-line function ultimately provides independent assurance. Most importantly, this is a role with real room to grow. We are deliberately hiring someone earlier in their leadership journey who has genuine credit depth and the ambition to build. You will start by standing up the core of the function, and as you prove yourself, your mandate, authority and scope will expand – with a path to owning the function over time. We want someone who sees the gap between where our credit risk function is today and where it needs to be at 10x and is energised by closing it. This is a role for someone with sound credit judgment, the structure and discipline to build a function from first principles, and the ownership mindset to treat Skip’s credit quality as their own.   Key responsibilities: Credit Risk Framework & Policy - Own and continuously improve Skip’s credit risk framework – risk appetite, credit policy, lending standards and the delegated lending authority (DLA) framework – working with the Head of Credit & Underwriting to translate his policy intent into clear, usable, well-governed documents. - Keep policy fit-for-stage and defendable: aligned to responsible lending obligations, our funder and warehouse requirements, and Skip’s risk appetite – neither gold-plated nor loose. - Own policy governance — the end-to-end framework for how credit policy is proposed, reviewed, approved, and version-controlled. - Own policy change rollout — drive implementation of approved changes end-to-end, including communication, calibration, and ongoing monitoring post-launch - Own second-line oversight of fraud, AML/CTF, and KYC controls - including PEP and sanctions screening - acting as the escalation point for suspicious matches, high-risk cases, and control breaches, and ensuring timely, well-documented resolution in line with Skip's AML/CTF Program and reporting obligations to AUSTRAC. Assurance, QA & Decision Quality - Build and run Skip’s second-line credit assurance and QA program – independent review of credit decisions and DLA usage to test that the first line is decisioning within policy and appetite. - Calibrate and monitor DLA decisioning across the team, surfacing inconsistency, drift or emerging risk early and feeding it back into p