Manager - Home Lending Credit Risk Automation

Commonwealth Bank; Melbourne; On-site; AUD 150,000 - 190,000; Full time

Job summary

Commonwealth Bank is seeking a Manager, Home Lending Credit Risk Automation in Melbourne to shape how home loan applications are assessed. You will leverage analytics and portfolio intelligence to simplify policy and strengthen automation, reducing manual intervention.

You will partner with Credit Risk, Analytics, Operations, Product and Technology to deliver efficient, customer-focused lending decisions. This role emphasizes data-driven change and stakeholder collaboration.

Qualifications

• Experience in mortgage lending or credit risk.
• Ability to translate analytics into policy and system changes.
• Experience with decision engines or automated lending environments.

Responsibilities

• Review credit policies and rules to improve automated decisioning.
• Translate analytics findings into policy and operational improvements.
• Support decision engine and business rule optimisation initiatives.
• Collaborate with analysts to identify bottlenecks in application journeys.
• Prepare recommendations for stakeholders.
• Assess impacts of proposed changes.

Skills

Analytical thinking

Stakeholder influence

Policy translation

Education

Finance/Economics/Statistics/Mathematics degree

Tools

SQL

SAS

Python

R

Tableau/Power BI

Job description

Help shape the future of credit decisioning through policy, automation and analytics

• Improve automated lending outcomes through data-driven policy and process changes
• Work closely with analytics, technology and credit risk teams to deliver meaningful change
• Influence customer experience, operational efficiency and portfolio performance

Do work that matters

As Manager, Home Lending Credit Risk Automation, you will play a key role in improving how home loan applications are assessed and processed.

Using analytical insights and portfolio intelligence, you will identify opportunities to simplify policy, improve business rules, strengthen automation outcomes and reduce unnecessary manual intervention.

You will partner with stakeholders across Credit Risk, Analytics, Operations, Product and Technology to help shape more efficient, consistent and customer-focused lending decisions.

See yourself in our team

Be part of the team at the heart of how CommBank serves Australia. Retail Banking Services supports more than 10 million personal and small business customers with market-leading products, services and digital experiences. BU Blurbs.docx highlights the opportunity to make a positive impact on customers while building a rewarding career.

Within Home Buying Credit Risk, you'll join a newly established team focused on using analytics, automation and policy expertise to improve credit decisioning outcomes.

Key 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

We're interested in hearing from people who

You bring strong lending and credit risk experience together with a practical understanding of analytics, automation and evidence-based decision making.

Credit Risk & Business Expertise

• Experience within mortgage lending, credit risk, lending policy, credit assessment or credit strategy
• Understanding of responsible lending obligations and credit risk frameworks
• Experience developing or implementing lending policies, operational processes or business rules
• Ability to influence stakeholders and drive outcome-focused change

Technical Skills & Analytical Capability

• Experience working within decision engine, credit decisioning or automated lending environments.
• Demonstrated hands‑on experience using tools such as SQL, SAS, Python, R, Tableau, Power BI and AI tools.
• Understanding of business rules frameworks and policy translation into system-based outcomes
• Exposure to workflow automation and operational process improvement initiatives
• Experience with credit strategy systems, decisioning tools or lending technology platforms
• Understanding of data architecture concepts and data flows that support credit decisions
• Familiarity with advanced analytics techniques and performance analysis methodologies
• Exposure to machine learning, predictive models or AI-supported decisioning environment
• Experience using process mining, operational analytics or root‑cause analysis techniques
• Ability to translate analytical insights into policy, process and customer outcomes

Qualifications (Desirable)

• Degree qualification in Finance, Economics, Statistics, Mathematics, Data Analytics, Business, Risk Management, Information Systems or a related discipline
• Relevant industry certifications, lending qualifications or analytics-related credentials will be highly regarded

Working with us

Whether you’re passionate about customer service, driven by data, or called by creativity, a career here is for you. At CommBank, we advocate and facilitate a culture of inclusion and respect, celebrating all cultures, abilities, genders, expressions of gender and sexual orientation. Read more about our commitment to inclusion and diversity on our career’s website.

Our people bring their diverse backgrounds and unique perspectives to build a respectful, inclusive and flexible workplace. We are working hard to recruit people who represent the diversity of our customers and our society. If you're excited about this opportunity but you don't meet every single requirement, or your experience doesn't align perfectly, we still want to encourage you to send in your application. You may just be the perfect candidate for this opportunity or another within CommBank.

At CommBank we will inspire you with work that makes a difference, surround you with talented people that respect and value each other, and empower you to grow professionally and personally. Most of all, making a positive impact for customers, communities and each other is part of our every day.

We’re aware of some accessibility issues on this site, particularly for screen reader users. We want to make finding your dream job as easy as possible, so if you require additional support please contact HR Direct on 1800 989 696.