Brighte Capital Pty | Credit
vor 3 Wochen
Brighter Together
Our mission is to make sustainability affordable and accessible for everyone.
By offering financial solutions to homeowners, we're making renewable energy and home improvements more accessible to the everyday Aussie.
Our founder and CEO, Katherine McConnell, has been awarded Telstra Business Woman of the Year in 2020 as well as winning the Sustainability Crusader award at B&T's 2023 Women Leading Tech Awards.
She is a passionate and humble leader who has a human-first approach to business.
As a business, we have been awarded AFR Sustainability Leader in the Banking and Finance category and won the inaugural Sustainability Award at the Affies
We value different perspectives, skills, and backgrounds and have been recognised for our strength in creating a diverse and inclusive workplace, winning Best Workplace Diversity (Finnies 2021).
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Read on for info on this role
$0 - $0 a year
About the role
It's an exciting time to be joining Brighte.
We are hiring a Risk Analyst, which is a new role within our Lending team
As our Risk Analyst, you'll help identify and assess potential risks within our lending products and services and take ownership of reporting on the effectiveness of key mitigants and other performance indicators.
You'll work closely with cross-functional teams to analyse data, monitor industry trends, and develop strategies to minimise financial, operational, and industry-specific risks, while ensuring Brighte's long-term sustainability and regulatory compliance.
Responsibilities
· Conduct regular risk assessments on Brighte's lending products, identifying potential areas of risk exposure and developing mitigation strategies.
· Provide insights into credit policies and recommend adjustments as necessary to minimise losses and maintain profitability.
· Analyse portfolio performance data and market trends to identify arrears patterns and emerging risks.
Develop reports and dashboards to track key risk indicators (KRIs) and performance metrics.
· Monitor and provide reporting on the effectiveness of auto-decisioning rules, and other underwriting and fraud management controls.
· Own the comprehensive credit reporting framework and compliance with the PRDE data standards.
· Provide input into stress testing and ECL model development for Brighte's lending portfolio.
· Prepare and present risk reports to senior management, highlighting key risks, potential impacts, and recommended actions.
Collaborate with stakeholders across the business to ensure effective risk management practices.
· Work closely with product development teams, legal & compliance, and finance departments to provide risk insights.
About You
We want you to succeed in this role, so that means you'll bring some key skills to the table.
· Experience in risk analysis or modelling, preferably within the consumer finance or banking industry.
· High SQL proficiency - this is essential to your success.
Experience with Python or data visualisation software (e.g., Tableau) is an advantage.
· A sound understanding of consumer finance products, especially personal loans.
Understanding of BNPL products would be highly advantageous.
· High-level familiarity with underwriting, credit scoring, and collections processes is an advantage.
· Knowledge of risk management methodologies, including qualitative and quantitative risk analysis, stress testing, and scenario analysis.
· Strong analytical and problem-solving skills with a keen eye for detail.
Ability to synthesise complex data and present actionable insights.
· Outstanding communication skills with the ability to clearly communicate technical risk information to non-technical stakeholders.
Benefits
We're committed to building a culture where our people can thrive, both professionally and personally.
So, we offer a variety of benefits and perks to support you and your family.
· Flexible working arrangements to suit individual needs and a hybrid work model.
· Employee share options - every new staff member is given an opportunity to join our Employee Share Option Plans (ESOP).
· Exciting and regular social activities to keep you connected with your team and others in the business
· Nutritious snacks – who doesn't love that?
Our thoughtfully stocked pantry includes snacks to suit your every mood.
From fresh bread, protein bars, chocolate, soy crisps – you name it
We also offer a carefully curated collection of wines and beer on top for those looking to unwind or enjoy a social moment.
· End-of-trip facilities.
Cycle in to work, lock up your wheels and have a shower in our end-of-trip facilities, which come complete with towel service and hair dryers.
Diversity and Inclusion
At Brighte, we celebrate diversity and encourage you to bring your whole self to work.
Our inclusive culture is the foundation of our innovative and dynamic environment.
Named LinkedIn's #10 Top Australian Start Up (2021), we know we wouldn't be anywhere without our investors, who believe in our mission and the opportunities that lie ahead for a brighter future.
If you want to join this mission-driven, inclusive, and highly collaborative team, click apply and upload your resume
All applicants will receive a response.
Please note that as part of our process, we require all candidates to undertake references and background checks, which include a police check, anti-money laundering, and bankruptcy checks.
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