Wholesale Credit & Asset Risk Analyst

Job Description

Add expected salary to your profile for insights Got the drive? We’ve got the keys. We’re the fastest growing independent auto financier in Australia, working together to put more Australians in the driver’s seat. If you’re driven to be more and do more, the road ahead is yours to take at Angle Auto Finance. We’re tech-forward and fast-moving. You’ll have plenty of opportunities to learn and grow with us. We’re proud of our inclusive, flexible workplace, and how we give back to our communities. And it makes working here genuinely rewarding. If you’ve got the drive to go places, we’ve got the keys to get you there. About the Role The Wholesale Credit Risk & Asset Risk Analyst role is responsible for preparation of reporting, monitoring, administration & the delivery of new initiatives relating to Wholesale & Asset Risk portfolio including the development and delivery of reports for all varying levels of stakeholders, standardisation of tools & templates for the broader Asset Risk & Wholesale Credit team. In this role you will have the opportunity to combine elements of financial analysis, risk management, and asset evaluation, to grow our portfolio while minimising risk exposure. Develop and automate advanced portfolio monitoring systems and response mechanisms using available data. Prepare and present monthly key KPIs for the wholesale and asset risk portfolio to stakeholders, including ERMC, Finance Executives, the Commercial Department, and the Asset Risk & Wholesale Credit Team. Deliver reports such as Dealer Limit Utilisation, Make/Brand Performance, Audit Performance, CRR Distribution, Stock Aging Analysis, Early Warning Portfolio Monitoring, and Asset Risk GFV, Exposure & remarketing KPI reporting. Manage the monthly APRA Wholesale submission. Enhance and standardise wholesale credit tools, reports, and templates to align processes across the team. Perform End-of-Month Wholesale (ECL) and Asset Risk Provision reporting. Collaborate with the portfolio risk team and wholesale dealer managers to streamline processes and improve reporting consistency, including DRF pack development. Align with Wholesale departments to support growth initiatives. Manage and improve DASH (Dealer Management Financial Records), a system for monitoring and evaluating key KPIs for wholesale customers. Support the Asset Risk team in updating and managing the remarketing register and stock inventory management. Champion productivity and efficiency initiatives, including system automation to enhance data integrity, availability, and process efficiency. Monitor and address expired bailments reporting proactively. Strengthen the risk culture, governance, and framework for the wholesale credit and asset risk portfolio. Key Capabilities Interpersonal Communication Writes & converses clearly & effectively with clients. Plans own work to ensure day to day work & annual reviews scheduled & completed. Analysis / Problem Solving / Innovation Ensures evaluation of risks & credit worthiness is within policy. Applies sound credit & risk management approaches. Service Delivery Liaises with both customers & staff at other corporations. Provides specialist service on range of products/ services incl complexity. Can provide options to client & guide to most suitable product. Identifies customer need & responds accordingly. Teamwork Identifies & reports opportunities to improve team processes. Works across teams to help implement & deliver results. Qualifications & Experience Tertiary and professional qualifications in a business-related degree, relevant to the finance services industry preferred. Credit experience in Wholesale Automotive, Financial Services or Commercial Banking. Sound financial analysis skills. Advance Reporting, Analytics & Data Management skills: SQL, PowerBI, Excel & PowerPoint. Effective business acumen and Automotive industry awareness. Proven ability to operate efficiently within a team environment and build lasting relationships externally and internally. Advanced communication, influencing and negotiation skills. Employee Benefits We have a long list of benefits to suit your needs. On the clock, and off it. Here are a few favourites. Birthday leave: Enjoy a day off on your birthday, because you deserve it. Health and wellbeing leave: Take some well-deserved ‘me’ time, because your health comes first. Volunteering day: Make an impact with a day dedicated to giving back to the causes you care about. $500 ergonomic equipment reimbursement: Invest in comfort and productivity with support tailored to your work setup. Recruitment referral program: We want to find and hire the best talent in the market, and we want to reward you with a payment of up to $5,000 for helping us identify and personally endorse high-calibre candidates you believe would be a great fit to come and work for us. Employee rate program: When you’re part of the Angle Auto Finance team, you’ll gain access to our best auto finance rates with your next car purchase—just another way we’ve got your back. Paid parental leave: Be there for life’s most important moments with time to support your growing family. SPARK: The employee benefits program that gives you everything from discounts to wellbeing support. Purchased annual leave: Gain extra flexibility by purchasing additional leave. Diversity flex leave: Our people have the flexibility to observe culturally significant days by choosing an alternate day that better aligns with their cultural values. We'd love to hear from you Select the 'Apply' button above to send your resume through to the Talent Acquisition team. Applications close 23 February 2025. Angle Auto Finance is committed to attracting, retaining and strengthening the performance of a diverse, equitable and inclusive workforce. It is our commitment to ensure equal employment opportunities without discrimination or exclusion on the basis of cultural heritage, colour, religion, citizenship status, age, sex, sexual orientation, gender identity, or expression, marital or domestic/civil partnership status, disability, veteran status, genetic information or any other basis protected by law. #J-18808-Ljbffr