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**Personal Banking Credit Risk - Senior Manager / Associate Director (23832):** - **Lead** a team evolving home lending credit risk policies, considering risk, reward, customer, and employee experience. - **Collaborate** cross-functionally to optimize policies, processes, and systems for effective risk management. - **Requirements**: Significant risk experience, credit underwriting exposure, and change management prowess. Proficiency in credit risk policies, risk appetite frameworks, and relevant standards (APS220, ARS220, etc.). - **Join** Macquarie, a global financial group with 57 years of profited operations, offering hybrid work, development opportunities, and comprehensive wellbeing benefits.

Compensation: Not specified AUD
City: Sydney
Country: Australia

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Personal Banking Credit Risk Senior Manager / Associate Director

Additional office locations

Sydney

Job ID

23832

Date

25-Aug-2026

Permanent - Full time, Mid-senior, Senior

Job category

Credit, Lending / Leasing / Retail Banking, Retail Banking, Risk Management

Apply now

The Banking and Financial Services Credit Risk Team is responsible for managing and strengthening credit risk capability across a diverse portfolio of banking and financial services products. The team leads the design, implementation and oversight of credit risk policies and frameworks, ensuring lending practices remain aligned with strategic objectives and risk appetite. Leveraging portfolio reporting, data analytics and industry insights, the team delivers informed risk assessments and supports sound decision making across the lending lifecycle.

We are a global financial services group operating in 30 markets with 57 years of unbroken profitability. At Macquarie, youre empowered to shape a career that is fulfilling and creates value. You will bring your insights and expertise to the task at hand and feel supported as you make your own kind of impact for a better future.

What role will you play?

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In this role you will lead a small team of credit risk professionals to evolve home lending credit risk policies, with in-depth consideration of risk, reward, customer and employee experience. You will bring a strong understanding of residential lending credit risk and how it is effectively operationalised in an increasingly automated environment. You will identify and investigate trends and insights from internal and external data to understand risks, identify where policy can be optimised, and contribute to projects that support strategic initiatives across the credit risk lifecycle.

You will work in close collaboration with the Personal Banking ecosystem, including Product, Technology, Operations, Treasury, Sales and Line 2 Risk to ensure our policies, processes and systems are driving continuous improvement and effective risk management outcomes.

What you offer

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Significant experience in a risk-based role, ideally within financial services.
Experience in credit underwriting, having held a delegated lending authority
Strong knowledge of credit risk policies, risk appetite frameworks and governance.
Proven track record of leading change across multiple teams, including a sound knowledge of the systems and technology utilised in the application of policy frameworks
Proven people leadership experience within a risk, credit or banking environment.
Strong analytical skills, with the ability to identify trends and drive policy optimisation.
Experience managing reporting, data quality, automation and process improvements.
Excellent communication skills, with strong stakeholder management capabilities.
Ability to manage multiple priorities, work collaboratively and operate effectively independently.
Sound knowledge of ADI Prudential Standards, including APS220, ARS220, APS112, APS113, NCCP and BCOP.

We love hearing from anyone inspired to build a better future with us, if you're excited about the role or working at Macquarie we encourage you to apply.

What we offer

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At Macquarie, youre empowered to shape a career thats rewarding in all the ways that matter most to you. Macquarie employees can access a wide range of benefits which, depending on employment type, include:

1 wellbeing leave day per year
Up to 5 additional service bonus leave days per year
Up to 20 weeks paid parental leave for primary caregivers along with 12 days of transition leave upon return to work, and 6 weeks paid leave for non-primary caregivers
2 days of paid volunteer leave and donation matching
Up to 12 months gender affirmation leave, including 6 weeks paid leave
Access to Employee Assistance Program and wellbeing benefits including skin and health checks, and flu vaccinations
Access to a wide range of salary packaging options
Access to a wide range of learning and development opportunities, including reimbursement for professional membership or subscription
Hybrid and flexible working arrangements, dependent on role
Reimbursement for work from home equipment

About Banking and Financial Services

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Banking and Financial Services is our technology-driven retail bank. You will be part of a team that supports clients to achieve their full potential - whether thats buying a home, growing a business or investing to manage wealth.

Inclusion at Macquarie

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We are committed to providing an inclusive environment for all, where different experiences, skills and perspectives are valued and respected. Macquarie provides access to opportunities for all individuals regardless of race, colour, religion, sex, sexual orientation, national origin, age, disability, protected veteran status, genetic information, marital status, gender identity or any other characteristic or circumstance.

We provide reasonable adjustments to individuals who may need support during the recruitment process and employment. If you require an adjustment, please let us know during the application process.

Full Job Description

Jobs

Jobs
Featured jobs

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Personal Banking Credit Risk Senior Manager / Associate Director

Additional office locations

Sydney

Job ID

23832

Date

25-Aug-2026

Permanent - Full time, Mid-senior, Senior

Job category

Credit, Lending / Leasing / Retail Banking, Retail Banking, Risk Management

Apply now