Description Who We Are At Pepper Money, we’re dedicated to helping people succeed—whether it’s buying a family home, a dream car, developing professionally, or growing their business. We’ve become one of the largest, most trusted, and award-winning non-bank lenders in Australia and New Zealand. Over our 26 years, we’ve achieved a lot, but our proudest accomplishment is helping over half a million Australians reach their goals with our ever-expanding lending options. The Role As Senior Manager, Operational Risk, you’ll provide Line two leadership across Pepper Money, overseeing the effectiveness of operational risk management and acting as a trusted risk partner to the business. Reporting to the Head of Operational Risk, the role focuses on incident and issue governance, root cause and thematic analysis, risk‑in‑change oversight, business partnership, and translating operational risk data into clear, meaningful insights for senior management and governance forums. You’ll work closely with the Governance and Enablement and Risk Assurance teams within Operational Risk to deliver strong execution, clear accountability and effective outcomes across the Three Lines model. You’ll also lead and develop a team of operational risk professionals, playing an important role in strengthening Pepper’s risk culture and capability. What you’ll be responsible for: Providing senior Line two oversight of operational risk management across the business, ensuring risks are managed in line with Pepper’s Risk Management Framework and Risk Appetite Acting as a senior risk partner to executive and business leaders, providing credible, proportionate and commercially informed challenge Overseeing the governance and quality of risk and control management activities, including review and challenge of Risk and Control Self‑Assessments (RCSA) Overseeing the governance and quality of incident and issue management, including investigation, root cause analysis, remediation and escalation Translating incident, issue, RCSA and control data into clear, actionable insights and emerging risk themes for senior management and governance forums Coordinating operational risk engagement for material projects and change initiatives, ensuring risks are identified, assessed and managed throughout delivery Leading, coaching and developing operational risk team members, building capability, consistency and confidence in risk judgement Contributing to broader risk and compliance initiatives and the ongoing uplift of Pepper’s risk maturity About you You’re a senior operational risk professional with strong experience in financial services, and you enjoy partnering with the business to improve risk outcomes while reinforcing accountability. You bring sound judgement, strong analytical capability and the confidence to challenge constructively at senior levels to support effective decision‑making. You’ll also bring: Extensive experience in operational risk, compliance, assurance or related roles within financial services Experience providing second‑line risk oversight, business partnering and senior‑level challenge Strong experience with incident and issue management, root cause analysis and remediation governance Experience supporting major projects or change initiatives from a risk perspective Proven people leadership experience, including coaching and developing risk professionals Excellent written and verbal communication skills, with the ability to influence senior stakeholders Qualifications that are valued but not essential: A bachelor’s degree in business, finance, commerce, law or a related discipline Relevant professional qualifications At Pepper Money, collaboration is just as vital as your skills. Our values are the heartbeat of our success, driving everything we do: Can Do: We think outside the box and harness the power of teamwork to achieve the extraordinary. Balanced: We set our customers up for success, crafting win-win outcomes that are both human and profitable. Real: We keep it honest and respect everyone, building genuine connections. Our Benefits At Pepper, we're dedicated to making this a fantastic place to work and supporting you every step of the way. Enjoy a values-driven, diverse environment with a leadership team that inspires success and a culture that rewards excellence. We're always finding new ways to make Pepper a place for everyone: Development: a full suite of development opportunities and a great team to learn from Recognition: Celebrate efforts with our Spice Reward and Recognition Program and diversity through our DE&I initiatives Flexibility: Embrace our hybrid working model, flexible parental leave policies and purchased leave options Health and Wealth: Free gym membership, discounted health insurance policies, novated leasing and staff loan rates to manage your mind, body and wallet! Referral Bonus: Earn $2000 for referring great people. If this role sounds like it’s for you and you have experience in tackling some of the day-to-day tasks, we want to hear from you. For more information on Pepper visit www.peppermoney.com.au . Pepper is proud of our inclusive and diverse workplace that we have built over the last 26 years. Diversity is embedded in our people practices, the way we communicate and connect with each other, and it is recognised throughout our values.
