Credit Risk Strategist – Data-Driven Portfolio Optimizer

Bankwest; Melbourne; Hybrid; AUD 110,000 - 170,000; Full time

Job summary

Bankwest is seeking a data-minded Credit Risk Practitioner to lead credit strategy improvements across originations, portfolio management, and collections. You will work with Product, Pricing, Technology, Operations, Distribution, and risk teams to diagnose issues, size problems, and deliver practical credit enhancements that strengthen portfolio performance.

You will own credit challenges end-to-end, from diagnosis to delivery, translating insights into actionable decisions and measurable

Qualifications

• Experience in credit risk, preferably in retail lending.
• Strong analytical capability with ability to interpret complex data and derive actionable insights.
• Proficiency in SQL, Python, SAS, Excel, Tableau or similar tools for analysis and performance monitoring.
• Experience with modern data platforms such as BigQuery or Snowflake.
• Ability to translate analysis into practical recommendations balancing customer outcomes, risk appetite, and business performance.

Responsibilities

• Credit strategy design and optimisation across originations, portfolio management, and collections.
• Portfolio insight and performance monitoring to identify trends and opportunities.
• Governance and controlled change delivery through testing, validation, and documentation.
• Analytics and continuous improvement using data and modern platforms.
• Cross-functional collaboration with business, technology, operations, finance, and risk teams to implement strategies.

Skills

SQL

Python

SAS

Excel

Tableau

Cloud platforms

Analytical thinking

Communication

Education

Bachelor's degree in a quantitative, analytical, commercial, legal, technology, or related discipline

Tools

BigQuery

Snowflake

Job description

Bankwest is seeking a data-minded Credit Risk Practitioner to lead credit strategy improvements across originations, portfolio management, and collections. You will work with Product, Pricing, Technology, Operations, Distribution, and risk teams to diagnose issues, size problems, and deliver practical credit enhancements that strengthen portfolio performance.

You will own credit challenges end-to-end, from diagnosis to delivery, translating insights into actionable decisions and measurable