Why Tyro?
At Tyro, we’re into business big time. Through our integrated payments, banking and lending solutions, we’re here to ensure nothing stands in the way of Australian business success. With over 21 years' experience under our belt, we know what it takes to build something great, which is why we combine the best people, technology, and partners to deliver simplified payments and seamless business banking to our customers. We’re proud to power more than 73,000 merchants across Australia and to work with more than 700 partners to create seamless experiences for hospitality, retail, services and health providers.
It starts with You.
Just like our customers, we’re obsessed with the success of our people. So, when you come onboard, we’ll give you all the support you need to do your best work. Our close to 600 Tyros are a highly collaborative team, so you’ll get to work with smart, motivated and friendly people across Tyro. We are fast paced and innovative and strive to live our values everyday – commit to greatness, stay hungry, wow the customer, be good and win together! We are big enough for you to have opportunities to have a career at Tyro and small enough that you can have a real impact. As we continue our mission to shake things up and make payments the easiest part of doing business, you’ll have the opportunity to learn new skills with hands-on experience, further your career, and help unleash the potential of our customers, one payment at a time.
🎥 Step inside life at Tyro here.
The Credit Risk Manager plays a key leadership role within Tyro’s second line of defence, responsible for ensuring effective oversight of Tyro’s credit risk frameworks, portfolio performance, and regulatory compliance. The role is responsible for underwriting standards, credit decisioning, collections and provisioning. This includes independent credit assessment, portfolio monitoring, policy implementation, and regulatory compliance. It partners closely with Product and Finance to maintain Tyro’s credit risk within appetite and ensures compliance with APS 220 Credit Risk Management and Tyro’s internal standards.
What you'll do:Credit Risk Framework and Policy
Lead the design, maintenance, and continuous improvement of Tyro’s Credit Risk Management Framework and associated policies.
Ensure frameworks and procedures remain aligned with APS 220 and the Risk Management Strategy.
Provide second-line oversight and challenge to first-line credit and lending operations.
Develop and monitor credit risk metrics and thresholds consistent with the Board-approved Risk Appetite Statement.
Portfolio Oversight and Risk Insights
Monitor and report on the quality and performance of Tyro’s credit portfolios.
Analyse arrears, provisioning, loss trends, and write-offs; identify emerging risks and recommend mitigations.
Support stress testing, scenario analysis, and portfolio segmentation analysis.
Assist in the development of Board and BRC reporting packs.
Oversee the development and implementation of effective debt collection strategies to maximise recovery and minimise losses.
Credit Risk Governance and Reporting
Lead the preparation of credit-specific reporting for the Executive Risk Committee, and Lending Forum.
Oversee provisioning models and ensure adequate governance around impairment recognition and write-off processes.
Regulatory Compliance and Assurance
Ensure compliance with APRA Prudential Standards (APS 220, CPS 220) and ASIC lending requirements.
Liaise with regulators, internal and external auditors on credit-related reviews.
Support CPS 220 Risk Management Declaration processes.
Experience in fintech, non-bank lenders or challenger banks desirable.
Strong understanding of SME credit risk products.
Experience in unsecured and secured business lending is desirable.
Demonstrated ability to deliver high-quality, insightful reporting.
Solid credit fundamentals and proven experience in a commercial lending environment.
Ability to perform in-depth analysis of financial statements, cash flow forecasts, business models, and sector dynamics to assess repayment capacity and overall creditworthiness.
Strong investigative, analytical and influencing skills, including experience in stress testing, scenario analysis and portfolio modelling to assess resilience under varying economic conditions.
Highly organised with ability to meet deadlines.
Advanced MS Office skills, particularly MS Excel.
What’s in it for you?
We’ve worked hard to create an environment that’s big on diversity, inclusion, and flexibility, and one that suits the changing needs of team members across Australia. Here are just some of the things Tyros tell us they love about working here.
You’ll also receive:
A mix of in-office and remote working
Learning and career development opportunities
16 weeks paid primary carers leave
12 weeks paid secondary carers leave
Annual team-based volunteer day
Birthday Leave
Power Up Day (Additional day of leave)
Weekly team social events, snacks, craft beer and wine, ping pong and video games
Taco Tuesdays
Mental health and wellness initiatives
Novated leasing
Tyro is committed to a diverse, inclusive workplace where everyone thrives. We welcome applicants of all backgrounds and are an equal opportunity employer. If you need accommodations or adjustments at any stage of the recruitment process, simply inform our Talent team during your conversation with them.
Still with us?
If you’ve got this far, then you might just be a great fit for us. Don’t tick all the boxes above? That’s ok, apply anyway and our Talent team will review your profile - you might be a fit for future roles.
#LI-Hybrid
Top Skills
What We Do
In 2003, Tyro set out to change the way payments are made. Today, we're still on a mission to make payments the easiest part of doing business, believing that nothing should stand in the way of business success for Australian merchants. We power more than 73,000 merchants across the country with in-store, online and on-the-go payments solutions designed specifically for businesses in hospitality, retail, services and health.
A tech company at heart, innovation has always been a part of our DNA at Tyro. We were the first tech company to obtain a full banking licence in Australia, allowing us to develop an integrated payments, banking and lending offering built specifically to make it easier for merchants to pay and get paid. Through Tyro, Australian merchants can accept payments anywhere, anytime, receive their takings on the same day and access fast, flexible funding through our award-winning repay-as-you-trade business loan as they scale and grow.
Marking our twenty-first birthday in 2024, this year we celebrate more than two decades of integrated connectivity with Australia’s innovative digital payments ecosystem. We work with more than 700 active partners in our broad and growing network to create seamless payment experiences and value-added products that customers love.
.png){kind=avatar}
.png)
