Credit Risk & Compliance Specialist

• 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.