We’ve never been ‘just a bank’. Just like you should never be ‘just an employee’. We’re united in our belief that in banking, better can be bigger, and together we’re making it happen.

It starts here. With Bendigo Bank… and you.

Come and be part of our specialist Credit Portfolio Analytics & Insights – Consumer Credit Assurance (CCA) team within Group Risk. As we continue to mature our Line 2 risk oversight capabilities, this is a unique opportunity to be part of a team that provides critical assurance and independent oversight across the bank's consumer credit environment.

If you have a strong background in consumer credit or lending, an inquisitive mindset, and a passion for making a difference by protecting our customers and the bank, this role is for you.

In the Consumer Credit Assurance team, you’ll make an impact by:

• Strengthening our credit risk processes through involvement in conducting thematic reviews and verifying the effectiveness of credit controls across the consumer credit lifecycle.
• Providing independent second-line challenge to verify compliance with the Group Credit Risk Management Framework, Consumer Credit Policies, and regulatory obligations.
• Identifying opportunities to enhance credit processes and controls, to support better customer outcomes and strengthen the bank’s credit practices.

About the role

The Assistant Manager Consumer Credit Assurance role operates in a dynamic, project-driven rhythm to support the Senior Manager and Consumer Credit Assurance Managers in planning and undertaking assurance reviews.

Key accountabilities include:

• Thematic Reviews & Fieldwork: Assist with planning, scoping, and executing thematic assurance reviews, gathering information and performing detailed file reviews across consumer products (residential mortgages, personal loans, and credit cards).
• Review Reporting & Insights: Assist in drafting review summary reports, discussion papers, and management information that clearly communicate findings and recommended business actions.
• Action Tracking & Governance: Administer and monitor post-review actions, remediation plans, and operational risk events.
• Continuous Improvement: Proactively identify opportunities to improve the effectiveness of credit assurance activities and the bank’s credit compliance frameworks, processes and controls.

What you’ll bring to the role

Essential:

• Consumer Credit & Lending Expertise: Solid experience in consumer lending (residential mortgages, personal loans, credit cards) – higher-level Delegated Lending Authority (DLA) preferable.
• Analytical & Inquisitive Mindset: Strong attention to detail with the ability to derive insights from data, procedures, and systems, by asking relevant questions and challenging assumptions.
• Methodical & Structured Approach: Self-driven and organised approach with ability to effectively manage multiple tasks and meet agreed timeframes.
• Communication & Collaboration: Works well autonomously or with others; having excellent written and verbal communication skills, with the ability to summarise and present information clearly.
• Regulatory Awareness: familiarity with key consumer credit regulations, codes, and guidelines (e.g., NCCP Act, Banking Code of Practice, ASIC/APRA).

Highly desirable:

• Prior experience in risk, compliance, internal audit, or credit assurance capacity within financial services.
• Practical understanding of credit origination systems and core banking platforms.
• Relevant tertiary qualification in Business, Finance, Commerce, or a related discipline.

Location

This is a permanent full-time position. While Adelaide is our preferred hub location where members of the immediate team are based, applications are welcome from candidates located near our major hubs in Melbourne, Bendigo or Sydney.

We offer flexible work options that put our people first, working in a hybrid model with a minimum local Head Office attendance requirement determined by your Leader, to find a rhythm that works best for you and the team.

Internal Applications

Please note, all internal candidates are required to notify their immediate leader when applying for a new career opportunity and will be asked to acknowledge they have done so upon submission of their application.

For more information, check out the Application Process for Internal Candidates page: Application Process for Internal Candidates

So, why work for us?

Want big impact that matters? Here, you’ll know your work directly benefits the customers and communities we all serve. You’ll also get access to a great range of benefits, including:

• Flexibility means different things for different people: Whether it’s hybrid work, flexible hours, a compressed work week, job-sharing or something different, our flexible work options are designed to put people first.
• Health and wellbeing support: Including discounted gym memberships, private health insurance options, and our Employee Assistance Program (EAP) for you and your immediate family members.
• Opportunities to take your learning to the next level: Through our corporate university ‘BEN U’ or with an external provider of your choice.

We believe a diverse workforce supported by an inclusive culture is central to our success and we actively encourage applications from those who bring diversity of thought to our business. We support candidate requests for adjustment to accommodate an illness, injury, or disability to equitably participate in the selection process.

Still in two minds?

Research suggests 60% of women and underrepresented groups might stop here, even after getting as far as drafting an application. We believe that diversity makes every team stronger, so even if you don’t tick every box, we still want to see your application!

We’re making better, bigger. And we’ll get there with you.

Now’s the time to set your sights even higher on the future you and the future career you deserve.