Analyst - Portfolio Credit Risk

About Us At Judo, we're more than just a business bank – we're pioneers in redefining business banking for the modern era. Rooted in timeless values such as integrity, trusted relationships, and a challenger spirit, we are dedicated to revolutionising business banking for small and medium enterprises (SMEs) across Australia. Since our launch in 2016, we have grown rapidly and now operate 27 offices nationwide. We focus on supporting Australian SMEs by saying ‘yes’ when other banks say ‘no’, helping our customers secure the funding they need exactly when they need it. Job Details Job Type: Permanent – Full TimeLocation: Melbourne or SydneyJob Category: Credit Responsibilities Collaborate with teams across the business, including Risk, Finance, Relationship Management and Investor Relations. Assist with ensuring the Credit Risk Engine appropriately calculates expected credit losses (collective provisions) and applies credit methodology. Maintain, execute, and enhance credit provision calculations. Drive automation and process improvements using Snowflake and analytics tools. Undertake detailed analytics on provision movements and deliver insights to Management assessing provision adequacy to ensure the bank is appropriately provisioning for projected credit deterioration. Evaluate current provision methodology to ensure it remains fit for purpose. Provide regular internal reporting to the Management Board, Risk Committees, and the Board. Support Finance/Investor Relations with key external reporting deliverables. Assist with key external credit risk reporting deliverables to stakeholders such as shareholders, APRA, rating agencies and debt funders, including regulatory reporting forms to APRA/RBA. Identify opportunities for improvement and challenge the current status quo. Support the Head of Portfolio Credit Risk and the broader Credit Risk team’s objectives. Desired Skills & Experience Experience working with credit provision models. Understanding of AASB 9 accounting standard. Experience with analytics tools (Python, R, SQL, Power BI). Experience using Snowflake, Confluence, and reporting/documentation environments. Ability to analyse data and present information that is easy to interpret and digest. Strong communication skills to explain complex concepts. Sound knowledge and experience of credit risk management and regulatory frameworks. Demonstrated ability to solve problems, particularly related to credit provisioning. Excellent attention to detail. Self‑starter with a proven ability to build networks. “Can do” attitude and willingness to challenge current ways of thinking. Perks of Joining Us Additional 2 weeks of leave annually (6 weeks per year). Big life event leave. Home office setup allowance. Access to CU Health. Flexible work options, embracing a true hybrid model. Other Details Seniority level: Entry levelEmployment type: Full‑timeJob function: Finance and SalesIndustry: Banking How to Apply To learn more about how Judo manages your personal information during the recruitment process, please refer to our Privacy Statement. By providing your information, you consent to its collection, use, disclosure, and management as outlined therein. Please no agencies We maintain a preferred panel and kindly request no unsolicited contact. We do not hold any responsibility for disputes over candidate ownership if you have not been engaged directly. Referrals increase your chances of interviewing at Judo Bank by 2x. Why Judo? We are a multi‑award‑winning place to work with a culture that matters. Our values of trust, teamwork, accountability and performance underpin everything we do. We celebrate diversity, foster inclusion, and provide an environment where everyone feels they belong. Join us to be part of an exciting journey to revolutionise Australian SME banking. #J-18808-Ljbffr