Senior Risk & Control Analyst, Line 1

The Senior Risk & Control Analyst supports effective management of operational, compliance, and conduct risks across the lending, credit cards, and sales finance lifecycle. This role provides risk and control expertise from origination through to collections, ensuring risks are identified, assessed, and mitigated in line with the organisation’s Risk Management Framework and regulatory requirements.
 

The role oversees and challenges first-line risk activities to ensure compliance with internal policies and external obligations. As a trusted advisor, the Senior Risk & Control Analyst partners with business leaders to embed a proactive risk culture, strengthen controls, and drive continuous improvement in customer, risk, and compliance outcomes.

Let’s look at some key responsibilities:
 

Risk & Control Management

• Support implementation of the Enterprise Risk Management Framework and business risk governance processes.

• Facilitate and review ongoing RCSAs, ensuring risks and controls are accurate and aligned to risk appetite.

• Conduct key control testing, validate effectiveness, and help remediate gaps.

• Identify emerging risks across the product and credit lifecycle and support mitigation strategies.

• Establish and monitor KRIs and operational risk events, escalating issues as needed.

• Partner with operations, product, and technology teams to ensure risks are managed across new initiatives and change programs.
   

Incident & Issue Management

• Investigate incidents and near misses, perform root cause analysis, and drive actions to closure.

• Support issue management by ensuring actions are defined, owned, and delivered on time.

Compliance & Regulatory Assurance

• Ensure compliance with internal policies and regulatory requirements.

• Work with Compliance and Legal to assess regulatory changes and support implementation.

• Assist with compliance attestations and monitoring activities.

Governance & Reporting

• Prepare risk and compliance reports for leadership and committees, providing insights on trends, controls, and incidents.

• Maintain accurate risk registers, incident and issue logs, and control and obligation libraries.

Continuous Improvement & Advisory

• Support process improvements that reduce risk, simplify controls, and enhance customer experience.

• Provide risk advice on new products, credit policy changes, and operational improvements.

• Promote operational risk and compliance awareness across the business.

Ideally, we're looking for the following: 
Let’s look at you:

• Bachelor’s degree in business, Finance, Risk Management, or related discipline.

• Minimum 3–5 years’ experience in operational risk, compliance, or audit within
  financial services, preferably consumer lending/credit card and sales finance products.

• Familiarity with ASIC, APRA, and other regulatory requirements relevant to consumer
  finance / financial services across Australia and New Zealand.

• Strong understanding and experience in the application of risk management
  principles, frameworks, and processes including control testing.

• Analytical skills with the ability to interpret complex information, provide quality
  insights and make sound recommendations

• Proficiency in risk management systems (e.g. GRC / Protecht)

• Excellent stakeholder management and communication skills.

• Proactive, curious, and detail-oriented with a continuous improvement mindset.

• Strong problem-solving and critical thinking abilities.
   

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!

• Recognition @ Latitude: Education support, Better giving programme with charity partners, Latitude matches dollar for dollar and Community partner days

•  Flexibility @ Latitude: Flexible work arrangements - balance work and personal responsibilities, Hybrid set up - work from home & the office, 3 Days paid volunteer leave annually, paid community service leave, paid compassionate / bereavement leave

• Yearly salary reviews.

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'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 are 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 and create tomorrow

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.