Credit Risk Manager — Shape Digital Home Lending Policy

Commonwealth Bank; Sydney; Remote; AUD 140,000 - 190,000; Full time

Job summary

Commonwealth Bank's Unloan team is seeking a Credit Risk Manager to drive governance of credit risk, responsible lending and policy development within a fast-moving digital home lending business. You will partner with product, lending and operations teams across Australia to shape policy, improve processes and support key initiatives while delivering safe and innovative lending solutions.

Reporting to the Senior Manager Risk & Controls, you will contribute to risk reporting, governance and

Qualifications

• Experience in home lending, credit risk, credit policy environments.
• Strong understanding of home loan products, credit policies and lending documentation requirements.
• Knowledge of responsible lending obligations and the broader regulatory environment.
• Experience developing, reviewing or implementing policies, procedures or operational documentation.
• Strong stakeholder management and the ability to influence a range of audiences.
• Analytical and problem-solving capabilities with data interpretation and opportunities for improvement.
• Excellent communication skills and the ability to translate complex requirements into practical business outcomes.
• Strong attention to detail and confidence with reporting and Excel-based analysis.

Responsibilities

• Reviewing, developing and enhancing credit policies, lender guides and SOPs.
• Identifying policy gaps and opportunities for improvement with practical solutions.
• Acting as a subject matter expert on credit policy, responsible lending and lending operations.
• Partnering with stakeholders across product, lending and operational teams to support initiatives and manage risk.
• Supporting the review and maintenance of lender-facing and customer-facing collateral.
• Contributing to risk reporting, portfolio insights and monthly performance reporting.
• Driving continuous improvement across processes, controls and governance frameworks.
• Supporting the delivery of safe customer and financial outcomes through strong credit risk management.

Skills

Credit risk

Policy development

Stakeholder management

Analytical

Tools

Excel

Job description

Commonwealth Bank's Unloan team is seeking a Credit Risk Manager to drive governance of credit risk, responsible lending and policy development within a fast-moving digital home lending business. You will partner with product, lending and operations teams across Australia to shape policy, improve processes and support key initiatives while delivering safe and innovative lending solutions.

Reporting to the Senior Manager Risk & Controls, you will contribute to risk reporting, governance and