Data-Driven Credit Risk Provisioning Analyst

CommBank; Sydney; On-site; AUD 100,000 - 140,000; Full time

Job summary

CommBank's Business Banking Risk Management (BBRM) Provisioning team delivers provisioning, forecasting and reporting across the portfolio. You’ll work with large datasets to monitor performance and provide insights for risk and business decision‑making.

You’ll join a collaborative environment focused on data, automation and visualisation initiatives, contributing to executive reporting and regulatory obligations while developing technical capability and stakeholder relationships.

Qualifications

• Experience using SQL, Python or R to analyse and manipulate datasets.
• Experience in credit risk, provisioning, capital management or a related risk discipline.
• Experience preparing reporting, analysis or insights that support business decision-making.
• Strong analytical and problem-solving capability, with attention to detail and sound judgement.
• Strong written and verbal communication skills, including the ability to explain complex information clearly.
• Tertiary qualifications in Data Science, Statistics, Actuarial Studies, Accounting, Finance or a related discipline.
• Experience with IFRS9 provisioning, prudential reporting or financial reporting will be highly regarded.

Responsibilities

• Support the prudent management of Business Banking Loan Loss Provisioning (LLP) and prepare monthly reporting and forecasting of LIE.
• Analyse non-retail provisioning model outputs, identify & resolve issues, and perform General Ledger reconciliations, to support the oversight and integrity of provisioning results.
• Assess the impact of changes to customer risk and macroeconomic factors on provisioning.
• Contribute to external reporting including Pillar 3, profit announcement and AASB9 disclosures.
• Respond to internal and external audit requests and stakeholder queries.
• Identify opportunities to improve processes through implementing data, automation and visualisation initiatives.
• Work collaboratively with colleagues to strengthen risk outcomes and improve analytics and reporting efficiency.

Skills

SQL

Python

R

Data analysis

Stakeholder communication

Education

Data Science

Statistics

Actuarial Studies

Accounting

Finance

Job description

CommBank's Business Banking Risk Management (BBRM) Provisioning team delivers provisioning, forecasting and reporting across the portfolio. You’ll work with large datasets to monitor performance and provide insights for risk and business decision‑making.

You’ll join a collaborative environment focused on data, automation and visualisation initiatives, contributing to executive reporting and regulatory obligations while developing technical capability and stakeholder relationships.