Credit Risk Strategist — Data & Portfolio Insights

Commonwealth Bank; Melbourne; Hybrid; AUD 120,000 - 170,000; Full time

Job summary

Commonwealth Bank in Melbourne is seeking a Credit Risk Practitioner to strengthen portfolio performance across originations, portfolio management and collections. You’ll own credit challenges end-to-end, translate data insights into practical risk improvements, and collaborate with product, pricing, technology and risk teams.

You’ll design strategies, monitor trends, and ensure governance and controls are embedded in production decisions, with a continuous improvement mindset and ownership of

Qualifications

• Experience in credit risk, preferably in retail lending.
• Strong analytical capability to interpret complex data and derive actionable insights.
• Ability to translate analysis into clear, practical recommendations.
• Strong problem-solving, structured thinking and collaboration skills.

Responsibilities

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

Skills

SQL

Python

SAS

Excel

Tableau

Education

Quantitative/Analytical degree

Tools

BigQuery

Snowflake

Job description

Commonwealth Bank in Melbourne is seeking a Credit Risk Practitioner to strengthen portfolio performance across originations, portfolio management and collections. You’ll own credit challenges end-to-end, translate data insights into practical risk improvements, and collaborate with product, pricing, technology and risk teams.

You’ll design strategies, monitor trends, and ensure governance and controls are embedded in production decisions, with a continuous improvement mindset and ownership of