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About the Role

The Senior Manager, Business Finance Credit Risk is a senior second-line leadership role responsible for the oversight, decision quality, and resilience of AMP Bank's Business Finance credit portfolio. The role provides independent credit judgment, exercises delegated credit authority, leads and develops the Business Finance Credit team, and ensures lending activities operate in line with AMP Bank's Risk Appetite Statement, credit policies, prudential obligations, and customer expectations. The role supports prudent portfolio growth through commercially informed challenge of credit proposals, policy exceptions, portfolio trends, emerging risks, watchlist exposures, and strategic business initiatives. It plays a key role in strengthening risk culture, enhancing control effectiveness and credit capability, while providing clear risk insights and recommendations to senior management, risk committees, and the Board.

Responsibilities

Lead the development and enhancement of Business Finance credit policies, standards, and governance frameworks.
Provide subject matter expertise on the interpretation and application of credit policy requirements.
Drive continuous improvement in credit risk management practices.
Identify and implement policy, control, and governance improvements.
Provide independent second-line oversight of Business Finance credit risk.
Deliver commercially informed challenge on lending proposals, portfolio trends, watchlist exposures, and strategic business initiatives.
Monitor portfolio risk indicators and emerging themes.
Support the Head of Risk through timely analysis, reporting, and recommendations.
Exercise delegated credit authority in accordance with AMP Bank's lending framework, credit policies, and risk appetite.
Review, approve, or recommend commercial lending transactions.
Promote strong credit decision quality through robust risk assessment, financial analysis, covenant management, and consistent policy application.
Support the ongoing development of credit standards and decision quality expectations.
Provide independent oversight and challenge of watchlist, deteriorating, and higher-risk Business Finance exposures.
Review remediation, recovery, and workout strategies.
Escalate material risk events, covenant breaches, and policy exceptions.
Provide risk-based recommendations to support sound portfolio outcomes and effective risk mitigation.
Support strategic Business Finance initiatives.
Assess the credit risk implications of new and amended lending propositions.
Provide risk expertise and challenge across projects and change initiatives.
Lead, coach, and develop a high-performing team.
Foster a culture of accountability, continuous improvement, and constructive challenge.
Build organisational capability and a proactive risk culture.

Requirements

Ideally at least 7+ years' experience in credit risk management, commercial credit, or business lending within a regulated banking environment, including extensive second-line risk management experience.
Demonstrated experience exercising delegated credit authority and reviewing complex lending transactions.
Deep expertise in commercial credit assessment.
Strong credit judgement with the ability to challenge risk grading, serviceability, valuation assumptions, collateral coverage, LGD, and alignment to risk appetite.
Expert knowledge of the financial services industry, including APRA, ASIC, APRA Prudential Standards, and key regulatory requirements.
Demonstrated experience implementing, monitoring, and reporting on credit risk and compliance frameworks.
Experience overseeing portfolio risk, watchlist, and impaired exposures.
Proven people leadership experience, including leading technical specialists, coaching capability, and building organizational capability.
Experience in portfolio analytics, risk reporting, and commercial lending portfolios focused on professional services, financial planning, mortgage broking, or other recurring revenue and goodwill-backed business models will be highly regarded.
Commercially astute and influential risk leader with the ability to apply sound judgement and provide independent, constructive challenge.
Ability to build trusted relationships and confidently engage with senior stakeholders.
Effective communicator who can translate complex risk matters into clear insights.
Comfortable leading through ambiguity.
Collaborate effectively across the three lines of defence.
Work closely with Legal, Finance, Operations, Internal Audit, External Audit, and regulators.
Passionate about developing people and fostering high-performing teams.
Focus on coaching, capability uplift, succession planning, and continuous improvement.
Promote a culture of accountability, collaboration, and proactive risk management.

Skills

Credit risk management
Commercial credit
Business lending
Second-line risk management
Delegated credit authority
Lending transactions
Commercial credit assessment
Cash-flow lending
Financial statement analysis
Debt serviceability
Business valuations
Covenant assessment
Security structures
Downside repayment scenarios
Risk grading
Collateral coverage
LGD assessment
Risk appetite alignment
Financial services industry knowledge
APRA Prudential Standards
APS 220
CPS 220
APS 112
Banking Code of Practice
PPSA
Credit risk frameworks
Compliance frameworks
Governance
Audit findings
Control effectiveness
Remediation activities
Portfolio risk oversight
Watchlist management
Impaired exposures
Recovery strategies
Provisioning
Collateral assessment
Loss mitigation
People leadership
Technical specialist leadership
Coaching
Organizational capability building
Portfolio analytics
Risk reporting
Policy development
Governance frameworks
Risk appetite
Strategic objectives
Regulatory requirements
Credit policy interpretation
Continuous improvement
Emerging risks
Portfolio performance
Assurance activities
Regulatory change
Portfolio stewardship
Concentration risk
Portfolio risk indicators
Proactive risk management
Problem asset management
Minimizing potential losses
Risk events escalation
Covenant breaches
Policy exceptions
Risk mitigation
Strategic initiatives support
Product development
Process improvement
Automation
Reporting enhancement
Risk framework uplift
Lending propositions assessment
Sustainable growth
Team leadership
Mentoring
Knowledge sharing
Decision-making capability

Location

Australia
New Zealand

Work Type

Full-time

Experience Level

Senior
7+ years

Benefits

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

About the Company

AMP is a financial services company that helps people with their banking, super, retirement, and finances. They have been operating for over 170 years and aim to add to the prosperity of Australia and its people.
AMP is undergoing a transformation with new leadership and thinking, aiming to redefine financial services and turn its legacy into something positive and powerful for the future.
AMP is committed to fostering inclusion, diversity, and a sense of belonging, believing it sparks creativity, innovation, and improves decision-making and performance.
AMP encourages employees to speak up, try new things, and offers flexibility, valuing individual contributions and work styles.

Equal Opportunity

AMP is dedicated to fostering inclusion and diversity.
AMP is committed to enhancing employment opportunities for Aboriginal and Torres Strait Islander people.
Candidates are encouraged to apply and explore AMP's Reconciliation Plan.
AMP asks candidates to let them know how they can be supported during the selection process.