Senior Credit Assurance Officer

About the role

Capricorn, a member-owned organisation serving Australian and New Zealand businesses since 1974, is hiring a Senior Credit Assurance Officer. You will provide independent oversight of the credit portfolio so that credit decisions, controls and processes align with policy, risk appetite and regulatory obligations. This is a hands-on technical leadership role with no direct reports.

Key responsibilities

• Carry out day-to-day assurance operations and set practical targets, reporting and triage approaches.
• Improve data quality and review workflows to deliver consistent, timely outcomes in a high-volume environment.
• Analyse portfolio performance, lead risk-based assurance reviews and identify control or compliance issues needing action.
• Work across Credit, Operations, Debt Recovery, Sales, Product, Operational Risk and Compliance, turning findings into recommendations that strengthen governance, efficiency and credit quality.

Required profile

• At least seven years' experience in credit risk, credit assessment, assurance, audit, compliance, banking or financial services.
• Demonstrated experience conducting assurance reviews, audits, quality programs or risk-based assessments.
• Proven experience improving processes, governance, controls, reporting and operational efficiency in a high-volume environment.
• Technical leadership, mentoring or coaching experience, without formal people-management responsibility.
• A bachelor's degree in Business, Commerce, Marketing, Economics or a related discipline is preferred; formal training in product, commercial or financial management is highly regarded.

Required skills

• Advanced knowledge of credit risk assessment, portfolio management, governance, compliance and assurance frameworks.
• Strong stakeholder engagement, influencing and communication skills, including presenting findings to senior leaders.
• Highly regarded: professional qualification or certification in Credit Management, Risk Management, Internal Audit, Compliance, Accounting or Financial Services, and membership of a recognised professional body.

What we offer

• Hybrid work model for office-based team members.
• 14 weeks inclusive paid parental leave and two extra paid days off.
• Wellbeing, fitness and lifestyle perks through WHEREFIT and Perkbox.
• Learning and development, including training and study assistance.
• Purchased leave, salary continuance insurance, social club and novated leasing.