Customer Insights Lead - Credit

Westpac-Grou; Auckland; On-site; NZD 120,000 - 190,000; Full time

Benefits offered by this job

4 weeks standard holiday

5 wellbeing leave days

Banking benefits and insurance

Career growth

Generous parental leave

Volunteer days

Job summary

Westpac New Zealand is seeking a Customer Insights Lead – Credit for Institutional & Business Banking in Auckland. You’ll transform customer and portfolio data into actionable commercial insight, influencing bankers and leaders across Credit, Risk, Finance and Distribution.

With strong credit/financial analysis, you’ll interpret P&L, balance sheet and cash flow, identify growth opportunities and risks, and develop dashboards and tools in SQL/Power BI/Tableau to inform strategic conversations.

Qualifications

• Strong credit and financial analysis capability, including interpreting P&L, balance sheet and cash flow.
• Ability to connect financial performance to customer strategy, growth, profitability and risk.
• Experience translating complex analysis into clear opportunities and recommendations for customers and senior stakeholders.

Responsibilities

• Identify themes, risks and opportunities within customer and portfolio data.
• Analyse customer financial performance across P&L, balance sheet and cash flow.
• Develop insights on margin performance, working capital, pricing and benchmarking.
• Build portfolio insights, heatmaps and risk signals for Relationship Managers.
• Undertake portfolio, segment and customer analysis for growth opportunities and concentrations.
• Translate macro developments into practical customer and banker insights.
• Turn complex analysis into actionable stories and recommendations for leaders.
• Develop dashboards, insight packs and reusable tools to bring analysis to life.

Skills

Credit analysis

Financial analysis

Excel proficiency

Tools

SQL

Power BI

Tableau

Job description

Customer Insights Lead, Credit - Institutional and Business BankingPermanent, Full-time roleLocated in Britomart, AucklandMō te tūranga | About the RoleGreat 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?This could be a great opportunity for someone with a strong credit, banking, analytics or commercial strategy background who wants to apply their expertise differently.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.Most importantly, you’ll be curious. You’ll enjoy getting beneath the numbers, understanding what they mean for a customer or portfolio, and turning that understanding into practical action.Westpac Hei Wāhi Mahi | Working at WestpacImmerse 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 bestAdditional purchased leave options up to 4 weeks per yearBanking benefits and insurance discountsCareer growth – we promote internal capability; we have programmes that recognise star performersGenerous parental leave – and top up government paid parental leaveSchool holiday subsidy - help you balance work and family during school holiday2 Volunteer days per yearKo mātou tēnei | Our OrganisationAt 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!Tono mai ināianei! | Apply Now!Apply today with your CV and Cover Letter.The people of Aotearoa, New Zealand hail from many cultures and backgrounds. At Westpac New Zealand, we draw on this enormous talent pool to cultivate a team rich in ability and empowered to reach its full potential. Our aim is to be brave challengers, celebrating our differences and relentlessly advocating for our customers. It starts with us – we believe that when we care deeply and do our best for our people, they’ll do their best for our customers. We encourage people from all walks of life to apply, including those who are neurodivergent, have chronic health conditions or disabilities – your attitude and passion are as important to us as your experience, qualifications and capabilities.Mahi tahi tātou, kaha ake tātou | Together GreaterApplications close:3 November 2026