Credit Risk Officer

We Dream. We Design. We Deliver. 

This is the place where you’ll be hands on. Working in a super-fast-paced environment where change is the only constant where new ideas are welcomed and expected. At every level and in every role we’re doers and builders. Not Managers and minders.  

hummgroup (ASX-HUM) is a diversified non-bank financial services institution offering business financing products, credit cards, and point-of-sale finance plans designed around the core needs of today’s shoppers, retailers, and small to medium enterprises. Our product ecosystem of buy now pay later, and business financing products has been designed around the core needs of today's shoppers, retailers, and small and medium enterprises. 

humm Ireland is the Irish subsidiary which is responsible for the proposition delivery to the Irish market.

What's so exciting about this role? 

The Credit Risk Officer is responsible for assessing credit risk, manual decision-making including customer interactions, portfolio credit risk analysis and minimising bad and doubtful debts through quality credit risk decisions (automated and manual). 

The role operates with a high degree of autonomy and independence, including an individual lending authority, and is expected to deliver against key performance indicators, striking the right balance between credit risk and new business acquisition. 

The role is for 15hrs per week covering both Saturday and Sunday.  

What Does an Average Day Look Like? 

No day is average at humm but here’s an idea of what you can expect to do in this role: 

• Analysis of loan applications to independently determine the financial condition of applicants and make informed decisions on approval or decline of credit limit. 
• Verification and validation of supplied documentation and details to reach a suitable credit decision. 
• Review and discuss account strategies and make informed observations to reduce or mitigate against credit and fraud risk exposure; Identify potential fraud or problem applications and escalate any recurring issues in a timely manner. 
• Cooperate with other teams and functions to achieve desired outcomes.  
• Adhere to credit policy and procedures.
• Perform any ad-hoc requests as deemed appropriate.
• Actively participate in individual performance reviews in line with the company requirements and manage adherence to schedule.
• Represent, embed and support hummgroup’s values and standards within the team. 

Who will thrive in this role? 

You are customer obsessed and want to make a difference in their lives. You thrive in a fast-paced environment and are not afraid to challenge the status quo. You are a visionary leader who will roll up your sleeves to get things done.

You thrive in a fast-paced environment and will roll up your sleeves to get things done. You are someone who believes in the strength of good relationships.  

We’re also looking for someone who brings: 

• Customer focused with a strong delivery focus. 
• Excellent analytical skills together with a strong attention for detail and an ability to think laterally. 
• Ability to make timely, rational decisions. 
• Ability to identify inconsistencies and challenge data where required. 
• Ability to work on own initiative. 
• Strong organisational and time management skills. 
• Ability to deliver against personal and team-based objectives. 
• A self-starter with the ability to adapt quickly to system/process changes whilst maintaining focus on key service level deliverables. 
• Proficient in Excel and Word 
• Previous lending or financial services experience desirable. 

Working at hummgroup 

We embrace flexible working arrangements, ensuring a genuine work-life balance and a fun, vibrant inclusive culture that embraces diverse perspectives and values the unique contributions of each of our team through our behaviours Leadership - Accountability - Collaboration - Commerciality.   

We invite candidates of all gender expressions, ethnicities, ages, and other culturally diverse groups to apply. We are committed to making reasonable adjustments to provide a positive, barrier-free recruitment process and welcoming and supportive environment where all our people can thrive. 

If this sounds like the opportunity, you have been looking for then apply today!