Customer Insights Lead - Credit

westpacnz; Auckland; On-site; NZD 120,000 - 170,000; Full time

Benefits offered by this job

4 weeks holiday + wellbeing leave

Parental leave with top up

Volunteer days

Job summary

Westpac NZ in Auckland is seeking a Customer Insights Lead - Credit for our Institutional & Business Banking team. You will turn customer, financial and portfolio data into meaningful commercial insight to support bankers and leaders.

You’ll collaborate across Distribution, Product, Credit, Risk, Finance and Data teams to translate complex information into practical recommendations, dashboards and tools that drive growth and manage risk.

Qualifications

• Strong credit and financial analysis capability, including interpreting P&L, balance sheet and cash flow.
• Understanding of business banking economics and how performance links to strategy, growth, profitability and risk.
• Knowledge of working capital, pricing, risk‑adjusted returns and portfolio performance.
• Strong commercial judgement to turn financial and customer information into opportunities and recommendations.
• Experience translating complex analysis into simple, meaningful stories for customers and senior stakeholders.
• Ability to build relationships across RM, Distribution, Product, Credit, Risk, Finance and Data teams.
• Strong analytical capability with SQL and BI tools (Power BI, Tableau) and advanced Excel.

Responsibilities

• Identify themes, risks and opportunities in customer and portfolio data using credit and financial analysis.
• Analyze customer financial performance across P&L, balance sheet and cash flow and link to outcomes.
• Develop insights across margin performance, cash conversion cycles, working capital, pricing and sector benchmarks.
• Build portfolio insights, heatmaps and risk signals for Relationship Managers.
• Perform portfolio, segment and customer analysis to understand growth opportunities and risk.
• Translate macroeconomic developments into practical customer and banker insights.
• Turn complex analysis into clear recommendations for customers, bankers and senior leaders.
• Develop customer-ready dashboards, insight packs, sector perspectives and reusable tools.

Skills

Credit analysis

Financial analysis

Business banking economics

Commercial judgement

Storytelling with data

Cross-functional collaboration

SQL

Power BI/Tableau

Excel advanced

Tools

SQL

Power BI

Tableau

Excel

Job description

Customer Insights Lead, Credit - Institutional and Business Banking

Permanent, Full-time role

Located in Britomart, Auckland

Mō te tūranga | About the Role

Great customer conversations start with great insight.

We're looking for a Customer Insights Lead - Credit to join our Institutional & Business Banking team and help turn customer, financial and portfolio data into meaningful commercial insight.

Sitting at the intersection of customer insights, credit, commercial banking and strategy, you'll bring a strong understanding of financial statements and business banking economics to uncover opportunities, identify emerging risks and help our bankers have more valuable conversations with customers.

You'll develop bespoke insights that help customers better understand their business performance, identify opportunities for growth and improve business outcomes. Internally, you'll work closely with Distribution, Product, Credit, Risk, Finance and other teams to translate complex information into practical recommendations, tools and frameworks.

Key responsibilities include:

• Use your credit and financial analysis capability to identify the themes, risks and opportunities sitting within customer and portfolio data.
• Analyse customer financial performance across the P&L, balance sheet and cash flow, connecting these insights to broader commercial outcomes.
• Develop insights across areas such as margin performance, cash conversion cycles, working capital optimisation, pricing and sector benchmarking.
• Build portfolio insights, opportunity heatmaps and risk signals that help Relationship Managers understand where to focus and why.
• Undertake portfolio, segment and customer analysis to understand growth opportunities, concentrations and the impact of economic cycles.
• Translate macroeconomic and sector developments across areas such as rates, FX, supply chains and labour into practical customer and banker insights.
• Turn complex analysis into compelling stories and clear recommendations for customers, bankers and senior leaders.
• Develop customer-ready dashboards, insight packs, sector perspectives and reusable tools that bring the analysis to life.

Nā tāu rourou | What will you bring?

You’ll ideally bring:

• Strong credit and financial analysis capability, including the ability to confidently interpret P&L, balance sheet and cash flow information.
• A strong understanding of business banking economics and how financial performance connects to customer strategy, growth, profitability and risk.
• Knowledge of areas such as working capital, pricing, risk‑adjusted returns and portfolio performance.
• Strong commercial judgement and the ability to turn financial and customer information into clear opportunities and recommendations.
• Experience translating complex analysis into simple, meaningful stories for both customers and senior stakeholders.
• The confidence to build relationships across Relationship Management, Distribution, Product, Credit, Risk, Finance and Data teams.
• Strong analytical capability, with experience using SQL and BI tools such as Power BI or Tableau, together with advanced Excel skills.

Westpac Hei Wāhi Mahi | Working at Westpac

Immerse yourself in a supportive team environment, and receive some of the best banking, and lifestyle benefits in the market along with:

• 4 weeks standard holiday + 5 additional days of wellbeing leave to support you to be your best
• Additional purchased leave options up to 4 weeks per year
• Banking benefits and insurance discounts
• Career growth - we promote internal capability; we have programmes that recognise star performers
• Generous parental leave - and top up government paid parental leave
• School holiday subsidy - help you balance work and family during school holiday
• 2 Volunteer days per year

Ko mātou tēnei | Our Organisation

At Westpac, we're working together to build a fairer and stronger New Zealand for our people, customers, and communities. For over 160 years we've been driven by our purpose to Create Better Futures Together.

What makes us unique are the incredible people we're lucky enough to have walk through our doors every day. The giant 'W' on our building doesn't just stand for Westpac - it says, double you. We're a place that values, rewards and recognises individuality. Where you can be your whole self, your true self, and your best self. We're recognised as a place where talent is developed, where passions are fuelled and where ambitions of all shapes and sizes thrive. And it all starts with you!

The people of Aotearoa, New Zealand hail fro