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About the role
Credit Risk Manager
Reporting to the Payments & Integrity Manager, this role sits within AGL’s Credit & Affordability team, responsible for shaping how we acquire, onboard and manage customers while balancing growth with risk.
As the Credit Risk Manager, you’ll lead the design and delivery of credit and fraud risk frameworks at the point of customer entry, ensuring strong controls are embedded across channels and customer journeys. You’ll work closely with Sales, Product, Marketing, Finance and Legal to optimise credit strategy, support sustainable growth, and enhance customer outcomes.
This is a unique opportunity to operate across both credit risk and fraud strategy, partnering with the Fraud team to embed robust identity and fraud controls into propositions from the outset.
With a strong focus on governance and performance, you’ll act as a key escalation point for risk decisions, while driving vendor management, cost optimisation and cross-functional alignment at a senior level.
What you’ll be doing:
Lead and evolve AGL’s credit strategy and acceptance framework, partnering with Credit, Digit, Sales, Product and Finance to balance customer growth, credit quality and commercial outcomes
Monitor credit performance and drive continuous improvement, ensuring policies, risk settings and new propositions are aligned to market conditions, regulatory requirements and strong governance
Lead the design and delivery of fraud and identity controls at customer acquisition, embedding risk management across onboarding journeys, channels and propositions
Drive continuous improvement through data-led insights, vendor partnerships and cross-functional collaboration, ensuring controls remain effective, customer-friendly and compliant
Engage and influence senior stakeholders, leading governance forums and representing AGL as a trusted credit and fraud risk advisor, while translating insights into clear, commercially driven decisions and outcomes
Drive cost optimisation and vendor performance by managing vendors, OPEX, leading efficiency initiatives, and ensuring strong governance, risk management and commercial outcomes across partnerships
Manage AGL’s Customer Acquisition engine ‘Shield’, its operations and performance
Foster a culture of analytical, data-driven decision making while ensuring strong controls, compliance and continuous improvement across customer acquisition processes
What you’ll bring:
Strong analytical capability, with experience translating data insights into actionable outcomes and process improvements
Proven ability to drive end-to-end change, delivering sustainable operational and risk improvements
Sound understanding of credit, fraud and/or risk frameworks, with awareness of regulatory requirements and their impact on business decisions
Experience in process, change or project management, with a focus on continuous improvement
Excellent communication and stakeholder engagement skills, with a tertiary qualification in a relevant field preferred (Business/ Commerce or related business discipline
What’s in it for you?
Shape how AGL balances growth and risk, influencing enterprise-level decisions
Work across senior stakeholders, gaining exposure to strategy, governance and commercial trade-offs
Build deep expertise in credit, fraud and risk management within a complex, regulated environment
Drive meaningful change through data-led insights and continuous improvement initiatives
Join a collaborative, high-performing team focused on innovation, accountability and better customer outcomes
Ready to apply?
Click Apply and submit your CV. For a confidential discussion about the role, please submit your application by the closing date.
AGL is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.
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Inclusion at AGL
At AGL, we value diversity and welcome applicants from various backgrounds, including Aboriginal and/or Torres Strait Islander peoples, individuals with disabilities, culturally diverse individuals, and members of the LGBTQ+ community. AGL is dedicated to maintaining a diverse workforce and encourages applicants to share their lived experiences.
We offer reasonable adjustments throughout the recruitment process and respect the privacy of those who choose not to disclose. To learn more visit: www.agl.com.au/careers
AGL is proud to be a WORK180 Endorsed Employer for All Women.
Our pre-employment screening process includes a Nationally Coordinated Criminal History Check and a medical assessment if necessary.
The information provided as part of your application to AGL will be managed in accordance with the AGL Privacy Policy.
AGL does not accept agency submissions unless approval has been granted by a member of the Talent Acquisition team. Candidates submitted by an agency without approval will not be considered by AGL.
Location
Docklands VIC 3008Job Family Group
Credit
