Manager - Home Lending Credit Risk Automation

CommBank; Sydney; Sur place; AUD 140 000 - 190 000; Plein temps

Résumé du poste

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.

Responsabilités

• 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.

Connaissances

SQL

Python

R

Tableau

Power BI

AI tools

Credit risk

Policy translation

Decision engines

Formation

Degree in Finance/Economics/Analytics

Risk management certification

Outils

SAS

Tableau

Power BI

AI tools

Workflow automation

ETL

Description du poste

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. 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, makinga positive impact for customers, communities and each other is part of our every day.

We’re determined to make a real difference for Australia’s first peoples. We’re keen to support you with the next step in your career.

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