Manager – Home Lending Credit Risk Automation

Jobtailor

Sydney

On-site

AUD 120,000 - 180,000

Full time

9 days ago

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Job summary

Jobtailor in Sydney is seeking a policy and credit risk specialist to identify and simplify lending rules, improve automated decisioning and reduce manual intervention.

You will collaborate with analytics, operations and product teams to translate insights into practical policy changes and measurable outcomes for mortgage lending.

Qualifications

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.
Experience working within decision engine, credit decisioning or automated lending environments.
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 environments
Experience using process mining, operational analytics or root-cause analysis techniques
Ability to translate analytical insights into policy, process and customer outcomes.
Degree qualification in Finance, Economics, Statistics, Mathematics, Data Analytics, Business, Risk Management, Information Systems or a related discipline is desirable
Relevant industry certifications, lending qualifications or analytics-related credentials will be highly regarded

Responsibilities

Demonstrates expertise in credit risk analysis, lending policy development, and process improvement initiatives, with a strong ability to translate analytical insights into actionable business outcomes.
Proficient in utilizing advanced analytics and decisioning tools to optimize automated lending environments and enhance operational efficiency.
Supports decision engine and business rule optimisation initiatives; monitors outcomes and identifies further opportunities to improve performance.

Skills

Credit Risk Analysis

Lending Policy Development

Decision Engine Optimization

SQL Proficiency

Stakeholder Influence

Education

Degree in Finance/Economics/Statistics/Data Analytics/Business

Tools

SQL

SAS

Python

Tableau

Power BI

AI Tools

Decisioning Tools

Credit Strategy Systems

Workflow Automation

Job description

Identify opportunities to simplify policy, improve business rules, strengthen automation outcomes and reduce unnecessary manual intervention
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
Partner with stakeholders across Credit Risk, Analytics, Operations, Product and Technology

Requirements

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
Experience working within decision engine, credit decisioning or automated lending environments
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 environments
Experience using process mining, operational analytics or root-cause analysis techniques
Ability to translate analytical insights into policy, process and customer outcomes
Degree qualification in Finance, Economics, Statistics, Mathematics, Data Analytics, Business, Risk Management, Information Systems or a related discipline is desirable
Relevant industry certifications, lending qualifications or analytics-related credentials will be highly regarded

Core Competencies

Demonstrates expertise in credit risk analysis, lending policy development, and process improvement initiatives, with a strong ability to translate analytical insights into actionable business outcomes. Proficient in utilizing advanced analytics and decisioning tools to optimize automated lending environments and enhance operational efficiency.

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