About the role

We're looking for a Senior Retail Credit Risk Specialist to play a critical role in managing retail credit risk across the customer lifecycle, while supporting sustainable business growth and strong customer outcomes.

How you'll make an impact

Reporting to the Retail Credit Risk & Fraud Manager, you will provide expert credit risk advice and analysis, ensuring retail credit risk remains within approved risk appetite and regulatory requirements.

Key responsibilities include:

• Monitoring and analysing retail credit portfolio performance, including arrears, losses and emerging risks
• Implementing and maintaining retail credit risk policies, standards and controls
• Providing risk advice and subject matter expertise to stakeholders across Credit, Sales, Product and Operations
• Supporting regulatory, audit and governance activities
• Identifying opportunities to enhance credit decisioning frameworks, controls and reporting
• Contributing to projects, system changes and continuous improvement initiatives impacting credit risk

Your attributes

• Degree in finance, economics, business, data analytics or a related discipline (or equivalent industry experience)
• 7+ years' experience in retail credit risk, consumer finance or financial services risk management
• Strong knowledge of retail credit risk frameworks, credit policy and portfolio performance metrics
• Experience working within financial services environments
• Strong analytical capability with the ability to translate data into clear, actionable insights
• Proven stakeholder engagement and communication skills
• Sound judgement, attention to detail and a proactive approach to problem solving

Life at Toyota & What we offer you

We pride ourselves on a work culture that supports and rewards people. From development programs to recognition programs, we make sure everyone at Toyota Finance Australia lives their best possible life. After all, our people are our greatest assets.

Toyota Australia is well-recognised for offering:

• Flexible hours and workspaces
• Career Development
• 26 weeks paid primary carers leave & 8 weeks paid parental leave for secondary carers
• Wellness facilities & Employee Assistance Program (private coaching available to you and your family)
• Paid volunteer days to support your community / Employee Community Grants Fund
• Employee Car Benefit Scheme

Building a great place to work

You're welcome to find out more by visiting our careers page: https://tfacareers.com.au/

We are an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

We are happy to adjust the recruitment process for your accessibility requirements. Please contact us and let us know your preferred type of communication and we will be in touch as soon as possible to discuss your requirements.

Toyota is an endorsed employer for all women. Please review the Work180 website for further information.

Come with us and help create the future.