Credit Risk Analyst

• Assess and review credit applications for new and existing customers across Consumer and SMB products
• Analyse application data, credit reports, and internal systems to determine creditworthiness and risk
• Conduct manual investigations, fraud checks, and cross-referencing using internal and external resources
• Provide feedback to Sales and Commercial Managers to address process gaps and improve business outcomes
• Audit activations outside standard guidelines, ensuring compliance with privacy, trade practices, and credit legislation
• Collaborate with Credit & Fraud Risk Operations, Collections, Billing, and Customer Success teams
• Maintain accurate records and documentation of all investigations and decisions
• Contribute to weekly and monthly reporting on credit risk assessments

• Proven experience in credit risk assessment, preferably within Consumer or SMB
• Strong knowledge of billing, credit, and customer management systems
• Understanding of relevant legislative guidelines (Privacy Laws, Credit Act, Trade Practices, TIO, ACCC)
• Investigative mindset with strong analytical and problem-solving skills
• Ability to manage competing priorities in a fast-paced service environment
• Excellent communication skills with the ability to engage stakeholders across the business
• Flexibility to work a shift-based roster covering national retail trading hours (7 days per week)

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