Senior Adviser, Consumer Credit

Lead the way. A great placeto work. Withgreat workto do. Ours is a meaningful and impactfulrole,as a kaitiaki(caretaker)of the financial services in Aotearoa. Weoversee a market that does right by everyone, ensuring better outcomes for all New Zealanders. Our role as a kaitiaki isbrought to lifeby our values; Look to theHorizon, Help theTeamWork, Make theCalls and OpenHearts, OpenMinds. Due to the expansion of the FMA’s regulatory remit, we are looking for a Senior Adviser to join our Consumer Credit team on fixed term contract/secondment until July 2027 .Working at the forefront of an evolving regulatory environment,you'llhelp ensure lenders put good consumer outcomes at the centre of their decision-making, contributing to faireroutcomes for Aotearoa. Working as part of a collaborativeteam, your mahi will include: Leadingmonitoring and supervisory engagements across a broad range of consumer credit providers. Assessingpotential misconduct and consumer harm, recommendingappropriate regulatoryresponses and interventions. Analysinginformation, industrytrendsand emerging risks to help shape the FMA's supervisory approach. Buildingconstructive relationships with lenders, industryparticipantsand other stakeholders to encourage positive conduct outcomes. Workingclosely with colleagues across Policy, Legal, Enforcement and Licensing to deliver coordinated regulatory responses. Providingsubject matterexpertiseon consumer credit issues and support capability development across the wider FMA. With more than 500 lendersoperatingacrossthe country, no two days are the same.You'llengage directly with regulated entities, considercomplaintsand market intelligence, and helpidentifyopportunities to lift standards across the sector. As the regulatory landscape continues to evolve, this is an opportunity to work on complex and meaningful issues that have a direct impact on consumers and communities throughout Aotearoa. You may currently be working in a regulatory, compliance, risk, legal, audit,bankingor financial services environment.Ideally,you’llbring experience within consumer lending, retail banking, financialregulationor another field whereyou'veassessed risk, exercised soundjudgementand worked through complex issues. You'llbring: Experience analysing complex information and providing well-reasoned recommendations,adviceor decisions. An understanding of consumer lending, credit, conduct risk,complianceor regulatory frameworks. Strong analytical, critical thinking and problem-solving skills, with the ability toidentifypotential consumer harm and determineappropriate responses. Excellent written and verbal communication skills, including the ability to engage confidently with a wide range of stakeholders. Sound judgement,resilienceand the ability to navigate ambiguity in a thoughtful and pragmatic way. Strong relationship-building skills and a collaborative approach to working with others. The ability to influence outcomes and communicate effectively with both technical and non-technical audiences. A genuine interest in consumer outcomes and the role regulation plays in building trust and confidence inAotearoa’sfinancial sector. We offer a comprehensive range of benefits, including: 4% KiwiSaver employer contribution Paid leave over the Christmas period The ability to swap public holidays for days that hold personal significance At the FMA,we'recommitted to fostering a diverse and inclusive workplace where everyone feels valued, respected, and empowered to bring their authentic selves to work. We also offer a range of wellbeing, social, and professional development opportunities that help our people thrive and connect. Applications closeSunday 30 August at 5pm. The appointing salary range for this role is $120,000 - $135,000 plus 4% KiwiSaver and the benefits outlined above. Final offers will reflect experience, skills, and internal equity. Pay equity and pay parity are important to us, andwe'recommitted to fairness and transparency throughout the recruitment process. #J-18808-Ljbffr