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About the Role

As Credit Strategy and Portfolio Manager, you'll shape the credit frameworks that enable AMP Bank's Business Finance portfolio to grow safely, sustainably, and at scale. You will own the Line 1 credit engine, driving credit strategy, policy, portfolio performance, and risk discipline to ensure consistent decision-making, early risk identification, and strong risk-adjusted returns while supporting complex structured lending opportunities.

Responsibilities

Lead credit strategy and policy, translating risk appetite into practical frameworks that support scalable business growth.
Strengthen underwriting excellence through clear standards, covenant frameworks, templates, and guidance that improve decision quality and consistency.
Own portfolio performance and oversight, monitoring risk trends, concentrations, arrears, and emerging issues through effective reporting and early warning indicators.
Manage complex structured credit exposures, including borrowing bases, cashflow waterfalls, covenant management, and ongoing portfolio discipline.
Enhance governance and decisioning, maintaining delegation frameworks, improving risk-based pricing, and using portfolio insights to continuously refine origination standards.

Requirements

Significant experience (8+ years) in commercial banking credit, portfolio risk, or credit policy.
Demonstrated experience drafting or materially influencing credit policy and underwriting standards.
Strong background in portfolio monitoring, watchlist, covenant management, and remediation.
Experience operating across Line 1 / Line 2 interfaces in regulated lending.
Strong understanding of SME cashflow lending and recurring revenue businesses.
Experience in professional services lending highly desirable.
Relevant tertiary qualifications in finance, economics, commerce, or risk-related discipline desirable.
Ability to adapt from BAU to the ambiguous with ease.
Commitment, grit, and a growth mindset.
Willingness to jump in and deliver across a variety of areas.
Ability to hold your own.

Skills

Credit strategy
Credit policy
Portfolio performance
Risk discipline
Underwriting excellence
Covenant management
Risk trends monitoring
Early warning indicators
Structured credit exposures
Governance
Risk-based pricing
Origination standards
Commercial banking credit
Portfolio risk
Credit policy drafting
Underwriting standards
Portfolio monitoring
Watchlist management
Remediation
Line 1 / Line 2 interface operation
SME cashflow lending
Recurring revenue businesses
Professional services lending

Location

Australia
New Zealand

Work Type

Full-time

Experience Level

8+ years

Education Level

Tertiary qualifications in finance, economics, commerce or risk-related discipline desirable

Benefits

Health and wellbeing support
Opportunities to volunteer
Opportunities to fundraise
Opportunities to give back to the community

About the Company

AMP is a financial services company helping people with their banking, super, retirement, and finances for over 170 years.
The company is undergoing transformation with new leadership and thinking, aiming to redefine financial services.
Business Finance is the commercial lending arm of AMP Bank, focused on building a specialist Professional Services Lending franchise.

Equal Opportunity

Dedicated to fostering inclusion, diversity, and a warm feeling of belonging.
Encourages candidates to inform them how they can be supported during the selection process.
Committed to enhancing employment opportunities for Aboriginal and Torres Strait Islander people and encourages applications from these backgrounds.