Senior Manager Consumer Credit Risk

Westpac; Sydney; Hybrid; AUD 180,000 - 240,000; Full time

Benefits offered by this job

Mortgage rate discounts

Flexible work arrangements

Learning and development opportunities

Community volunteering opportunities

Job summary

Westpac is seeking a Senior Manager Consumer Credit Risk to strengthen risk management across its lending portfolio. Based in Sydney with flexible hybrid working arrangements, the role focuses on policy, decisioning, and performance, while engaging stakeholders to ensure robust governance and regulatory compliance.

The ideal candidate brings extensive consumer credit risk experience, strong analytics with SQL/SAS/Tableau/Power BI, and proven leadership abilities to deliver strategic risk

Qualifications

• Extensive experience in consumer credit risk across policy, decisioning, and portfolio performance.
• Strong analytical ability to interpret large datasets and generate insights using analytics tools.
• Ability to lead, prioritise and deliver outcomes with clear stakeholder engagement.
• Understanding of Australian credit risk regulatory frameworks; automated decisioning is desirable.
• Excellent communication and interpersonal skills.

Responsibilities

• Support strong consumer credit risk management across Westpac.
• Assess lending portfolio performance and review risk practices for improvements.
• Identify opportunities to strengthen outcomes and support regulatory compliance.
• Collaborate with risk teams to strengthen control effectiveness and risk governance.

Skills

Consumer credit risk

SQL

SAS

Tableau

Power BI

Stakeholder management

Leadership

Tools

SQL

SAS

Tableau

Power BI

Job description

Create your best future and join Westpac as a Senior Manager Consumer Credit Risk

What’s the role?

As part of Group Audit, you will play an important role in supporting strong consumer credit risk management across Westpac. You will assess lending portfolio performance, review the effectiveness of risk practices, and identify opportunities to strengthen outcomes. In doing so, you will help support sustainable growth, sound risk management and regulatory compliance.

This is a permanent role based in Sydney, with flexible hybrid working arrangements. We also welcome applications from interstate candidates.

What do I need?

• Extensive experience in financial services, with strong end‑to‑end knowledge of consumer credit risk across policy, decisioning, portfolio strategy and performance
• Advanced analytical capability, including the ability to interpret large datasets and generate insights using tools such as SQL, SAS, Tableau or Power BI are required
• Strong commercial judgement and the ability to assess control effectiveness and emerging risks to portfolio quality and regulatory compliance
• Demonstrated ability to lead, prioritise and deliver outcomes, supported by clear communication and effective stakeholder engagement
• Well- developed interpersonal skills, with the ability to build trust and influence outcomes without formal authority
• Sound understanding of Australian credit risk regulatory frameworks and experience in automated credit decisioning are desirable

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 your 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.

If you need any adjustments during the recruitment process, you can find out more informationand additional contact details by visiting the "People with Disability and/or needing Accessibility Requirements" page on our website.