Your future at the RIC:

As the Executive Manager, Head of Credit, you are responsible for setting the strategic direction and business plans for your group, influencing and developing policies and delivering the strategic agenda.

You will also provide leadership and expertise on Credit Risk through the development and maintenance of robust risk & credit policies, frameworks and procedures; and provide key strategic credit advice to the RIC Executive Leadership Team.

What you will do:

• Lead a team of professional credit risk managers with accountability for developing, coaching and mentoring employees, managing performance and conflicts.

• Owning and managing the credit risk lifecycle, ensuring alignment with the RIC’s credit risk appetite.

• Maximise collections and recoveries strategies for all accounts in hardship to ensure best outcomes for our customers, while mitigating credit risk exposure.

• Developing, implementing and monitoring internal loan policies and procedures to ensure sound credit practices.

• Accountable for strategy to uplift the risk and credit knowledge and capability across the wider organisation aligned to credit risk frameworks.

• Champion customer experience and service delivery excellence.

• Monitoring the effectiveness of loan controls.

• Managing potential conflicts of interest in relation to individual loan applications.

• Establishing and maintaining key strategic internal and external networks whilst representing and advocating on behalf of the RIC in all dealings with stakeholders.

• Monitoring and reporting on credit risk metrics and trends providing insight to executives and Board.

• Other duties as required.

About you:

• Significant financial statement analysis experience with exceptional problem-solving skills and attention to detail

• High-level strategic and analytical skills

• Highly effective influencing, conflict resolution and relationship management skills.

• 10+ years’ experience in financial services with exposure to commercial credit and risk management.

• Experience in leading credit and/or risk teams within financial services and/or agribusiness

• Demonstrated ability to build, develop and lead high-performing teams

• Demonstrated experience working in an agribusiness banking environment

• Demonstrated experience in the utilisation of delegated lending authority discretion

• Sound understanding of risk management practices and compliance frameworks

• Experience in successfully leading loan recovery teams.

• Experience in complex loan recoveries.

• Government experience is desirable.

• Tertiary qualifications in finance, banking, accounting or economics is essential.

• Relevant qualifications in Credit would be highly regarded.