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About the Role

This is a hands-on role for a data-minded risk professional who enjoys solving real business problems. You will use data, analytics, business judgement, governance principles and collaboration to improve credit strategy across the full lifecycle, including originations, portfolio management, and collections. You will take end-to-end ownership of credit challenges, from diagnosis to delivery.

Responsibilities

• Define and size the problem
• Analyse portfolio and process performance
• Recommend credit strategy or rule changes
• Support implementation and control testing
• Monitor results and optimise over time
• Develop and improve strategies across originations, account management, and collections using segmentation, decision logic, and performance analysis.
• Identify key trends, drivers, emerging risks, and opportunities. Translate analysis into practical recommendations that improve portfolio outcomes.
• Support high-quality implementation through testing, validation, documentation, and traceability aligned to policy and regulatory expectations.
• Use data, analytical tools, and modern platforms to strengthen decisioning, improve operational effectiveness, and enhance customer outcomes.
• Partner with business, technology, operations, finance, compliance, and risk teams to ensure strategies are practical, implemented correctly, and performing as intended in production.

Requirements

• Experience in credit risk, preferably in retail lending
• Strong analytical capability, with the ability to interpret complex data, identify meaningful patterns, and derive insights that inform action
• Ability to translate analysis into clear, practical recommendations that balance customer outcomes, risk appetite, and business performance
• Sound understanding of Australian retail credit portfolios, including key segments, performance drivers, and the broader risk landscape
• Understanding of core portfolio metrics such as losses, recoveries, provisions, and return outcomes
• Strong problem-solving, structured thinking, and collaboration skills, with confidence working across business and risk stakeholders
• A curious mindset, strong sense of ownership, and willingness to keep learning and improving

Skills

• SQL
• Python
• SAS
• Excel
• Tableau
• Experience working with modern data platforms (for example BigQuery, Snowflake, or similar cloud-based environments)

Location

• Bankwest

Work Type

• Hybrid

Education Level

• Tertiary qualification in a quantitative, analytical, commercial, legal, technology, or related discipline is valued, or equivalent practical experience.

Benefits

• Flexibility
• Changing start and finish times
• Part-time arrangements
• Job share

About the Company

• At its core, credit is trust extended over time. Every credit decision shapes customer outcomes, portfolio performance and the long-term resilience of the bank. To support the modernisation of our function we are building a more integrated, insight-led practitioner model that goes beyond reporting by playing an active role in shaping outcomes.
• This role reflects a broader shift in how Credit Risk operates, toward a more connected, insight-driven and outcomes-focused practitioner model.
• You will have the opportunity to influence portfolio outcomes by helping shape credit decisions, improving governance and controls, strengthening decision quality and contributing to the evolution of modern credit practices.
• You will join a team that values curiosity, accountability, collaboration and continuous improvement where team members are encouraged to own outcomes, challenge constructively and grow capability over time.