Credit Risk Analyst - Pay

At Latitude, we make it possible – for our customers, our communities, and our people. We believe in creating opportunities that truly matter, helping you thrive both professionally and personally. That’s why we offer benefits that make a real difference in your life.

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 just two days a week or work remote for certain roles.
• 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.

Contribute to the work of Credit Risk - Pay by providing information, analysis, recommendations and support for portfolio monitoring, development and implementation activities to share in the delivery of sustainable growth for the A&NZ Credit Card portfolios.

In this role, you’ll be responsible for:

• Produce reports, analysis and recommendations to highlight risk issues.
• Monitoring the performance of the portfolio, identifying trends and communicating them to the wider business in a clear and concise manner.
• Undertake analysis to determine the impact of portfolio strategy changes to areas of application and account management.
• Function as a key contributor to the Pay credit risk team upholding the values placed on high quality, comprehensive and accurate insights that are both relevant and actionable.
• Collaborate cross functionally and at times be willing and prepared to work within project teams to deliver on business initiatives and during this requirement ensure the interests of the credit department are upheld.
• In the event of operational risk events that credit risk are assigned ownership for – work cross functionally and in some cases drive delivery of the actions required to close such events.
• Facilitate such meetings, productions, presentations and stakeholder management that would be required for governance, portfolio / product review and audit purposes

Ideal Candidate Profile:

• A curious and business outcome focused approach partnered with a problem-solving attitude.
• Graduate or experienced in a numerate discipline
• Ability to code in SAS/SQL/Python/R to extract, analyse and make recommendations for specific pieces of analytics.
• Ability to use in Power BI/ Tableau/ MS Excel to manipulate, visualise and interpret large volumes of data.
• Basic project management skills
• Strong communication skills, both written and verbal, with capabilities to articulate complex analytical information.
• Proven experience to own and deliver analytical projects to tight timeline.
• Ability to work in a very dynamic environment where priorities can change frequently.
• Collaborative, team player.
• Ability to demonstrate the Latitude values and behaviours  
• Experience in a credit risk function (desirable)
• Hands on experience in credit risk analytics (desirable).

Latitude offers a flexible working environment. We support a safe, healthy, engaging, and productive working environment for all employees and workers, whether that be in your home, the office or a combination of both.

We're Latitude, partners in money.

Latitude may seem like the new kid on the block, but it's taken us almost a hundred years to become an overnight success.

Digital payments, cards, loans, and insurance is what we offer - but what we really are is a platform that helps people shop and live better.

Always living and breathing our values. Take Ownership, Pursue Excellence, Win Together, Create Tomorrow.

We're not engaging any recruitment agencies for this role, so if you're interested. Please apply directly!

Successful applicants will be required to complete a background check (including criminal history and bankruptcy check) prior to commencement of employment.

Only open to Australian or New Zealand Permanent Residents or Citizens.