Manager - Home Lending Credit Risk Automation

CommBank; Sydney; Sur place; AUD 150 000 - 210 000; Plein temps

Résumé du poste

CommBank is seeking a Manager, Home Lending Credit Risk Automation to shape how home loan applications are assessed and processed. You will use analytics, policy and automation to simplify policy, strengthen rules and reduce manual intervention.

You will partner with Credit Risk, Analytics, Operations, Product and Technology to deliver more efficient, consistent and customer-focused lending decisions. This newly formed team focuses on analytics-driven decisioning in home lending.

Qualifications

• Experience in mortgage lending, credit risk, lending policy or credit strategy
• Understanding of responsible lending obligations and risk frameworks
• Experience developing or implementing lending policies or business rules
• Ability to influence stakeholders and drive change

Responsabilités

• Review policies, processes and rules to improve automated decisioning
• Translate analytics findings into policy and operational improvements
• Support decision engine and rule optimisation initiatives
• Collaborate with analysts to identify trends and bottlenecks in application journeys
• Prepare recommendations and implementation plans for stakeholders
• Assess impacts of proposed changes on customers, risk and operations
• Support automation and process improvement initiatives
• Monitor outcomes and identify opportunities to improve performance

Connaissances

SQL

SAS

Python

R

Tableau

Power BI

AI tools

Decision engine

Credit risk

Policy translation

Formation

Finance, Economics, Statistics, Mathematics, Data Analytics, Business, Risk Management, Information Systems or related

Industry certifications in lending or analytics

Outils

Tableau

Power BI

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. 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, 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.