Head of Home Lending Credit Risk Automation

CommBank; Sydney; On-site; AUD 140,000 - 190,000; Full time

Job summary

CommBank is seeking a Manager, Home Lending Credit Risk Automation to drive data-driven policy, automation and analytics for home loan decisions. You will work with Credit Risk, Analytics, Operations, Product and Technology to streamline business rules, improve automated decisioning and reduce manual intervention.

You will partner with cross-functional teams to shape policy, optimize decision engines and apply portfolio intelligence to enhance customer experience and portfolio performance.

Qualifications

• Experience in mortgage lending, credit risk, lending policy or credit strategy.
• Ability to translate analytics into practical policy and operational improvements.
• Experience developing or implementing lending policies, processes or rules.
• Ability to influence stakeholders and drive outcome-focused change.

Responsibilities

• Review credit policies, processes and business rules to improve automated decisioning outcomes.
• Translate analytical findings into practical policy and operational improvements.
• Support decision engine and business rule optimisation initiatives.
• Collaborate with analysts to identify trends, bottlenecks and root causes within application journeys.
• Prepare recommendations and implementation plans for key stakeholders.
• Assess customer, risk and operational impacts of proposed changes.
• Support delivery of automation and process improvement initiatives.
• Monitor outcomes and identify further opportunities to improve performance.

Skills

SQL

Python

R

Tableau

Power BI

AI tools

Credit risk

Policy translation

Decision engines

Education

Degree in Finance/Economics/Analytics

Risk management certification

Tools

SAS

Tableau

Power BI

AI tools

Workflow automation

ETL

Job description

CommBank is seeking a Manager, Home Lending Credit Risk Automation to drive data-driven policy, automation and analytics for home loan decisions. You will work with Credit Risk, Analytics, Operations, Product and Technology to streamline business rules, improve automated decisioning and reduce manual intervention.

You will partner with cross-functional teams to shape policy, optimize decision engines and apply portfolio intelligence to enhance customer experience and portfolio performance.