Senior Manager Commercial Credit

Westpac Group; Sydney; Hybrid; AUD 230,000 - 340,000; Full time

Job summary

Westpac Group in Sydney is seeking a Senior Manager, Commercial Credit to lead a high-performing team within Business & Wealth Credit Risk. You will exercise senior delegated credit authority, shape risk outcomes and ensure alignment with risk appetite.

You will mentor staff, monitor portfolio quality, and engage with senior stakeholders to drive policy implementation for sustainable growth. You will lead, coach and develop a team of credit professionals, manage emerging risks, and contribute to

Qualifications

• Extensive experience in credit decisioning, credit risk, relationship management or a similar role within commercial or corporate banking.
• Relevant tertiary qualifications in commerce, business, finance or a related discipline, with a post-graduate qualification (MBA or equivalent) highly regarded.
• A minimum of 3 years' leadership experience within financial services or a similar corporate environment, with the ability to lead, coach and develop high-performing teams.
• Strong risk management expertise, credit judgement and the ability to think strategically in a complex banking environment.
• Exceptional stakeholder management, influencing and negotiation skills, with experience engaging senior leaders and business partners.
• Strong analytical and problem-solving capability, combined with a passion for delivering customer-focused outcomes through data-driven insights.

Responsibilities

• Exercising senior delegated credit authority and providing expert credit decisioning across complex transactions.
• Leading and developing a high-performing credit team, fostering strong risk culture and accountability.
• Monitoring portfolio performance and identifying emerging risks, trends and opportunities.
• Driving effective credit controls, processes and policy implementation.
• Working closely with business partners and risk stakeholders to balance commercial outcomes within risk appetite.
• Providing insightful reporting, governance and escalation of key credit issues, concentrations and emerging risks.
• Influencing senior stakeholders and contributing to the ongoing development of Westpac's credit risk strategy.

Skills

Credit decisioning

Credit risk management

Leadership

Stakeholder management

Analytical thinking

Education

Commerce/Business/Finance degree

MBA or equivalent

Job description

Job Description

• Permanent full-time
• Based in Sydney, NSW, AU only
• Hybrid working arrangements

Drive credit excellence. Lead a high-performing team. Shape risk outcomes for one of Australia's leading banks.

At Westpac, we're building a strong future for our customers, communities and people. We're looking for an experienced credit professional to join our Business & Wealth Credit Risk team as Senior Manager, Commercial Credit In this pivotal leadership role, you'll combine strategic credit risk management, portfolio oversight and people leadership to help protect and grow our Target Sectors business.

What’s the role?

Reporting to the Executive Manager, Target Sectors, you will lead a team of experienced credit professionals responsible for supporting the Commercial Credit portfolio. You'll play a key role in maintaining credit quality, driving sound risk decisions and ensuring alignment with Westpac's credit risk appetite and governance frameworks.

Key responsibilities include:

• Exercising senior delegated credit authority and providing expert credit decisioning across complex transactions.
• Leading and developing a high-performing credit team, fostering strong risk culture and accountability.
• Monitoring portfolio performance and identifying emerging risks, trends and opportunities.
• Driving effective credit controls, processes and policy implementation.
• Working closely with business partners and risk stakeholders to balance commercial outcomes within risk appetite.
• Providing insightful reporting, governance and escalation of key credit issues, concentrations and emerging risks.
• Influencing senior stakeholders and contributing to the ongoing development of Westpac's credit risk strategy.

What do I need?

To be successful in this role, you'll bring:

• Extensive experience in credit decisioning, credit risk, relationship management or a similar role within commercial or corporate banking.
• Relevant tertiary qualifications in commerce, business, finance or a related discipline, with a post-graduate qualification (MBA or equivalent) highly regarded.
• A minimum of 3 years' leadership experience within financial services or a similar corporate environment, with the ability to lead, coach and develop high-performing teams.
• Strong risk management expertise, credit judgement and the ability to think strategically in a complex banking environment.
• Exceptional stakeholder management, influencing and negotiation skills, with experience engaging senior leaders and business partners.
• Strong analytical and problem-solving capability, combined with a passion for delivering customer-focused outcomes through data-driven insights.

Why join us?

We're obsessed with becoming our customers' #1 banking partner for life and we're looking for people who are passionate about helping us achieve that goal. In return, we're committed to making Westpac the best place to work in the country. Here are just a few of the ways we're already doing that:

• Special offers on banking products and discounts from top brands, including generous employee only mortgage rates!
• Flexible work arrangements to help you achieve a greater work/life balance, and a variety of leave options including Culture, Lifestyle and Wellbeing leave.
• Tailored learning and development opportunities to help you grow your career within the bank.
• Lots of opportunities to 'give back' to the Community by getting involved in our many volunteering initiatives.

We're all about creating a supportive and inclusive community. We welcome everyone – no matter your age, gender, background, or abilities. We also provide additional support to welcome our veterans, Indigenous Australians and neurodiverse community.